CobrApp Blog
Guides on collections, portfolio control and lending, written for the trade: field collectors, shops selling on credit and independent lenders.
By topic
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Collection strategies
How to collect without losing the customer: segment the portfolio, prevent arrears, negotiate agreements and recover overdue debt. With real examples.
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Collection tools
What a collections app has to have, how to compare options and when a spreadsheet stops being enough. Tool guides for field collectors and lenders.
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Finance and lending
Interest calculation, amortization tables, cash flow and portfolio control for whoever lends their own capital. With formulas and worked examples.
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Technology for collections
Offline mode, digital receipts, WhatsApp reminders and real-time metrics. How technology changes the collector’s work.
Every article
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Collections App in Mexico: Guide and Best Option 2026
The best collections app in Mexico for lenders, savings unions and businesses with a credit book: control, interest and receipts. Download free.
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Customer Tabs: A Guide and App for Your Store 2026
How to control store credit: limits per customer, due dates, collecting without losing customers, and moving from the notebook to an app. Download CobrApp free.
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Preventive Collections: Stop Arrears Before They Happen
A guide to preventive collections: a contact calendar, reminder templates and the checks to run before you lend. Cut your arrears with CobrApp, free.
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Debt Collection Letter: Models and Templates 2026
Ready-to-use debt collection letter templates: reminder and formal demand, what to include and how to send it. Control your arrears with CobrApp.
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Loan Amortization Table: Guide and Examples
What an amortization table is, how to calculate it step by step and real examples installment by installment. Generate yours free with CobrApp.
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How to Become a Money Lender: A Guide to Starting in 2026
Learn step by step how to lend money: capital, interest rates, contracts and portfolio control. Start your lending business with CobrApp for free.
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How to Organize Collection Routes: A 2026 Guide for Collectors
Organize your collection route by area, time of day and priority so you collect more every day. Make it easy with CobrApp, download it free.
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How to Keep Track of Your Loans in 2026
Learn to keep track of your loans: what to record, methods for organizing your portfolio and habits that stop you losing money. Make it easy with CobrApp.
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Collections Software in Colombia: 2026 Options Guide
The best collections software in Colombia: types, key features and how to pick the right option for lenders, daily collectors and small businesses. Compare and start free.
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Installment Payments App: Record Payments and Calculate Balances
How to record installment payments, calculate outstanding balances automatically and control your part-payment portfolio from your phone with a specialized app.
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Microfinance App: Manage Microloans
The best microfinance app: manage microloans, calculate interest and control your portfolio from your phone. Download CobrApp free.
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Digital Collections: The 2026 Guide for Collectors
What digital collections is, how it beats the notebook, how to roll it out and the best tools across Latin America. Start free with CobrApp.
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How to Manage a Past-Due Portfolio: 2026 Strategies
Manage your past-due portfolio with diagnosis, stage-by-stage arrears strategies and digital tools. Recover debt and prevent defaults. Download CobrApp free.
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Collections App in Colombia: The Best Option for Small Businesses
The leading collections app in Colombia for lenders, daily collectors and small businesses. Manage your portfolio, calculate interest and collect more efficiently. Free for Android and iOS.
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How to Calculate Daily Interest on a Loan: Formulas
Learn to calculate daily interest on a loan with clear formulas and real examples. A guide for lenders and daily-collection operators. Automate the math with CobrApp.
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Simple Loan Agreement: Free Template 2026
Download a simple loan agreement template and learn the essential legal elements that protect your money when you lend.
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WhatsApp Collection Reminders (Automatic) 2026
How to send collection reminders on WhatsApp automatically. Templates, best practices and tools to collect more without calling everyone one by one.
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App for Informal Lenders: Professionalize Your Daily Lending
Are you an informal lender? Take the first step toward professionalizing and formalizing your business. CobrApp digitizes your daily lending with receipts, transparent interest calculation and cloud backup. Free for Android and iOS.
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How to Collect From Late-Paying Customers: 2026 Guide
Learn to collect from late payers with a staged strategy, negotiation techniques and digital tools. Recover your portfolio without losing the customer. Download CobrApp free!
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Collections Program: The Software to Manage Every Payment You Chase
The best collections program: control payments, past-due customers, interest and routes. Professional collections software for small businesses and lenders.
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Free Collections App: Manage Collections at No Cost in 2026
Download the most used free collections app in Latin America. Control customers, payments, interest and collection routes without paying anything. Android and iOS.
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Free Collector App: The Best for Android and iOS in 2026
Download the most complete collector app: collection routes, digital receipts, interest calculation and offline mode. Free for Android and iOS. 250,000 downloads.
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5 Successful Collection Strategies to Recover More in 2026
Proven segmentation, proactive communication and automation strategies that raise portfolio recovery by up to 60%. A practical guide with the tools to run it.
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Collections App: 5 Key Features for Efficient Collections in 2026
A complete guide to automating your daily collections with a collections app: routes by area, Bluetooth receipts, interest calculation and offline mode. Download free.
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Door-to-Door Collector App: Routes, Receipts and Daily Payments (Free)
Collector app for Android and iOS: routes by area, Bluetooth receipts, daily payment recording and fully offline mode. 250,000 downloads already use it. Download free!
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Smart Collection Strategies for Microfinance
How smart collections and empathetic communication can transform portfolio recovery, keep good customers and stay on the right side of the law.
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What Is a Daily-Payment Loan? A Complete Guide to Daily Collection
Learn what a daily-payment loan is, how door-to-door daily collection works across Latin America, and how to professionalize the business with technology.
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The Best Collections Control System for Small Businesses
See why you need a specialized system to control your collections and leave paper and spreadsheets behind.
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Legal Documents for Lenders: Protect Your Capital
Get to know the essential documents — promissory notes and loan agreements — you need to protect your loans legally.
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A Complete Guide to Calculating Loan Interest
Learn to calculate simple and compound interest correctly. Avoid the common mistakes that eat into your margin.
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A Guide to WhatsApp Collection Messages: Templates
Copy and paste: message templates that work for collecting over WhatsApp without being intrusive, and recover more.
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Excel vs a Collections App: Which Wins in 2026? (A Real Comparison)
Using Excel to collect? It costs you money and time. See why a collections app saves 5+ hours a week, removes errors and gets you paid faster.
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5 Keys to Improving Your Cash Flow
Practical financial strategies to shorten collection days and keep your lending business liquid.
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Why Your Business Needs to Automate Collections
Automation removes manual errors, saves time and makes sure no payment is forgotten. A guide to getting started.
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How to Collect From Late Payers Without Losing the Relationship: 8 Strategies
Learn to collect overdue debt without losing customers. 8 amicable collection strategies that recover the portfolio and keep debtors loyal.
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Managing Delinquent Customers: Collections Control
Segmentation, automation and the metrics that reduce arrears and improve portfolio recovery.
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Managing Your Collections Portfolio From Your Phone (Free App)
See how to control your whole collections portfolio from a mobile app: customers, payments, interest and reports from your phone.
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Real-Time Collections Metrics: A Dashboard for Your Business
Turn data into decisions: know your takings, your arrears and your collectors' performance with live analytics.
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Offline Collections App: Collect With No Internet and Sync Automatically
Collect with no phone signal and sync automatically once you are online. The fully offline collections app for rural and urban areas. Download free.
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Digital Collection Receipts: PDF, Bluetooth and WhatsApp, Instantly
Generate digital collection receipts in PDF instantly. Print them over Bluetooth or send them on WhatsApp. Cut payment disputes. Try it free.
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How to Cut Delinquency by up to 40% With Digital Collections
Proven digital strategies that cut delinquency by up to 40% and keep your customers paying on time.
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Effective Collection Strategies
Discover the best practices for improving your collections process and recovering more of your portfolio.
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The Future of Digital Payments
Explore the emerging trends in digital payments and how they could transform your lending business.
$ 3,470.00 Balanced
What a route of 37 visits with 4 collectors brings in on one day, with the portfolio balanced at close.
Start collecting like a professional today
Download CobrApp free. 250,000+ downloads across 20+ countries. Works with no internet.
CobrApp does not grant credit or lend money. It is a technology platform for collections management and portfolio control of loans issued by third parties.