Free
$0/month, forever
- 20 customers
- 2 loans per customer
- Basic receipts
- Loan simulation
- Full offline mode
The Collections Platform and Debt Collection Software for your business
Stop making generic tools fit. CobrApp is the collections program and payment-tracking system built specifically for field collectors, credit agents and independent lenders.
Why choose specialized software?
| Feature | Notebook | Spreadsheet | CobrApp |
|---|---|---|---|
| Interest calculation | |||
| Works with no internet | |||
| Professional receipts | |||
| Location tracking (coming soon) | |||
| Automatic backup | |||
| Automatic reports | |||
| Multi-user | |||
| Delinquency alerts |
A cross-platform collections app for your business
Use CobrApp as your collections app on Android, iOS or in a browser. Customers, installments and receipts sync across every device without losing a single payment.
Android & iOS
Available on Google Play and the App Store. Works offline.
Web app
Open it in any browser, nothing to install.
PC compatible
Use the web version on your computer for more room to work.
CobrApp: the complete collections platform for collectors and lenders
A real collections platform is not just a digital notebook: it centralizes customers, installments, receipts, routes and reports in one system. CobrApp replaces the notebook, the spreadsheet and the scattered WhatsApp messages with a single auditable flow, synced between phone and computer.
Every movement is recorded with location, an automatic receipt and cloud backup. The collections dashboard shows the day’s takings, delinquency per customer and each collector’s performance in real time.
Unlike collections platforms designed for banks, CobrApp was built for the field collector in Latin America: it works offline, prints Bluetooth receipts and takes less than 30 minutes to learn.
More than 250,000 downloads have already moved to this free collections platform. Do the same: download CobrApp, import your customers in seconds and start collecting with a professional system today.
What collections software costs, and what you actually pay for
Collections software runs anywhere from free to several hundred dollars a month, and it is almost always billed per user or per customer in the portfolio. CobrApp breaks that pattern: the free plan is permanent, asks for no card and never expires. You register customers, collect, print receipts and read your reports without paying anything.
The Premium plan is activated inside the app and adds multi-user access, cloud backup and advanced reports. Current prices are on plans and pricing, and you can change or cancel whenever you want.
Collections software or an online collections system? Software records what each customer owes; an online system keeps it all in the cloud but stops the moment there is no signal. CobrApp is both: fully offline during the route, syncing as soon as the connection is back.
That is what makes it real mobile collections: each collector signs in with their own user, sees only their route and records the payment with date, time and location even in an area with no coverage. The supervisor sees the takings in real time from the office and the manual cash reconciliation disappears.
Why is CobrApp the most used collections program in Latin America?
CobrApp was built to solve the real problems of daily collection on foot: areas with no internet, portable Bluetooth printers, interest worked out in seconds, and control over several collectors in the field. It is now the most downloaded collections control system on Google Play for this segment across the region.
Our collections program adapts to every model: weekly payment books, monthly loans, variable installments and bank amortization tables. You do not need to be an accountant — CobrApp does the arithmetic on its own.
Unlike generic solutions, CobrApp is software for collecting, designed from the ground up for the professional collector. It runs on the phone and on the computer (web version), needs no installation or maintenance, and the data is backed up automatically to the cloud with bank-grade encryption.
250,000+ downloads in Colombia, Mexico, Peru, Ecuador and 16 more countries have already left the notebook and the spreadsheet behind. The system includes delinquency alerts, collection routes by area and reports ready for accounting.
Still comparing options? Read our guide to the best collections software for the types, the features that matter and how to pick the right one for your business.
Frequently asked questions about collections software
What people evaluating a collections platform for their business ask us most.
What is the best collections program for a small business?
CobrApp is the most complete collections program for small businesses, independent collectors and microfinance operations. Unlike generic software, CobrApp was built specifically for daily collection: it records loans, schedules installments, calculates interest automatically, prints Bluetooth receipts and works with no internet. The free plan covers up to 20 customers at no cost.
What is collections software, and how is it different from an online system?
Collections software is the program that records what each customer owes, what they paid and what is left. An online collections system keeps that in the cloud so you can look it up from any device, but it stops working the moment there is no signal. CobrApp does both: it runs fully offline on the phone during the route and syncs to the cloud as soon as the connection is back, so you can collect in areas with no coverage and review the day’s cash from the office PC. That is the key difference against a purely web-based platform.
What is digital collections and how does an online collections platform work?
Digital collections means running your receivables with technology instead of notebooks and paper sheets. CobrApp is an online and mobile collections platform: it records payments from the phone in the field, syncs your portfolio to the cloud and produces collection reports instantly. Unlike a traditional online collections system, which needs a computer and a permanent connection, CobrApp also works fully offline and syncs when the signal returns. It digitizes the work without changing how you work on the street.
How do I collect from late-paying customers effectively with an app?
CobrApp helps you collect from late payers with professional tools: the day’s due list, a detailed payment history per customer, and per-customer statements as PDF. The collection-route system lets you prioritize the customers with the largest outstanding debt so you maximize what you bring in each day.
Does it work as a collections system for a shop that sells on credit?
Yes. If your shop or store sells on credit and you keep the accounts in a notebook, CobrApp works as your collections system: you register each customer with what they took, the app calculates the outstanding balance and tells you who is due today. Unlike shop software built around the register and invoicing, the focus here is the debt: how much is owed in total, who has gone longest without paying and how much you recovered this week. You can print proof of every payment or save it as a PDF so no dispute is left open, and it all works with no internet, right at the counter.
What is a collections platform, and how is it different from collections software?
A collections platform centralizes customers, credit, payments and reports in one place, while traditional collections software usually stops at recording transactions. CobrApp works as a full platform: it manages the portfolio, calculates interest automatically, organizes collection routes, issues Bluetooth receipts and syncs several collectors under one account.
How much does collections software cost?
CobrApp has a permanent free plan with customer management, daily payment recording and interest calculation, with no time limit and no credit card. Paid plans add cloud backup, several collectors and advanced reports. Most collections platforms charge a monthly fee from day one; here you start at no cost and only scale if your portfolio does.
Is there an online collections system that also works with no internet?
Yes. CobrApp is a hybrid system: you record payments offline and the information syncs to the cloud on its own when the signal returns. That is the key difference against a purely online system, which stops working in exactly the low-coverage areas where the collector is working.
What does digital collections give you that a notebook or spreadsheet does not?
Digital collections removes the double entry and the arithmetic error. With CobrApp every payment carries a date, a time and an updated balance; the customer gets their receipt printed or over WhatsApp; and you see immediately how much came in, who is behind and which collector covered each route. In a spreadsheet that information only exists once somebody types it up at the end of the day.
Does it work as a collections management system for several collectors?
Yes. You assign customers and routes by area to each collector, see their takings in real time and consolidate the whole portfolio in a single dashboard. Each collector signs in with their own user and sees only the customers assigned to them.
Does this collections program work on a computer as well as a phone?
The mobile app is the main tool for street work (Android and iOS). For administration and reporting there is the web version, which you open in any browser on a computer with the same account and the same synced data.
$ 3,470.00 Balanced
What a route of 37 visits with 4 collectors brings in on one day, with the portfolio balanced at close.
Try the best collections software for free
250,000 downloads trust CobrApp. Start free and scale when you are ready.
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.