From notebook chaos to smart collections
Your entire operation in one platform.
COBRIX centralizes loans, clients, payments, and collections in real time. With risk scoring, automatic late fees, and executive dashboards — from desktop or mobile.
Most microfinance companies still operate on paper
- ✕Notebooks and spreadsheets to track active loans
- ✕Collectors have no field visibility of who owes and how much
- ✕Calculating late fees and interest takes hours every week
- ✕You don't know your real portfolio until month-end counting
- ✕Payments are recorded by hand with frequent errors
- ✕No risk history: the same delinquent clients receive new loans
40%
of average microfinance portfolio is lost due to lack of follow-up
Estimate based on Latin American microfinance sector data
Everything you need, in your pocket.
COBRIX works as a mobile app (PWA) and on desktop. Collectors work from their phone; admins from their computer.
Dashboard
Executive summary: clients, active loans, today's payments, receivables, delays, and late fees at a glance.
Results from the first week
90%
Reduction in payment registration time
100%
Real-time portfolio visibility
3x
More efficiency in collection routes
0
Calculation errors in interest and late fees
Information ready for decision-making
Generate reports in one click. Filter by date, status, or collector and export to Excel or PDF.
Client report
- Full list of active and inactive clients
- Risk scoring per client
- Clients with delays vs. current
- Individual credit history
- Filter by assigned collector
Payment report
- Today's payments: who paid, how much, and to which loan
- Weekly payments with capital and interest totals
- Monthly payments with comparison vs. previous month
- Breakdown by collector
- Pending and overdue payments
Loan report
- Active loans with outstanding balance
- Clients who owe (delays and late fees)
- Clients eligible for renewal
- Loans paid off in the period
- Total portfolio: lent, collected, and receivable
Everyone sees what they need
Administrator
Full business overview. Configure rates, terms, late fees, and manage users. Access executive dashboards, full reports, and audit trail.
- Executive dashboard
- Business configuration
- User management
- Full reports
- Audit trail
Collector
Sees their assigned portfolio from their phone. Registers payments in the field, checks collection priority, and receives delay notifications.
- Assigned portfolio
- Payment registration
- Collection priority
- Client history
Data Entry
Registers new clients and loans. Captures field information and feeds the system with complete, verified data.
- Client registration
- Loan creation
- Renewals
- Client search
- Credit history
Be among the first to try it
COBRIX is in launch phase. The first microfinance companies to join will receive preferential pricing, personalized support, and priority on new features.
Special launch pricing
Join the first microfinance companies leaving paper behind and taking real control of their operation.
What microfinance companies ask us
Each client receives a score from 0 to 100 based on their payment history, accumulated delay days, and credit behavior. This helps decide whether to renew a loan and under what conditions.
When a client misses a payment, the system automatically calculates and applies the penalty according to the rules you configured. No manual calculations or errors.
Yes. Each collector has their own account and only sees their assigned portfolio. The administrator assigns clients and monitors each collector's progress.
Basic implementation takes 1 to 2 weeks. It includes rate configuration, existing client onboarding, training, and support during the first weeks of operation.
Yes. Our team handles migrating your current portfolio, client history, and active loans from any format: Excel, Google Sheets, or previous systems.
Data is safe in the cloud. Device access can be revoked immediately and the collector can log in from another phone with their account.
Yes. COBRIX supports multi-branch operation with consolidated or per-branch reports. The administrator has full visibility from a single dashboard.
Tech stackTechnology that powers your operation.
Technology that powers your operation.
Native PWA
Works as an installable app on any phone, no app store needed
Real-time
Data syncs instantly between collectors, data entry, and administrators
Risk scoring
Algorithm that rates each client 0 to 100 based on payment history
Security
Robust authentication, data encryption, and full transaction audit trail
Multi-device
Same account works on phone, tablet, and computer without losing data
Let's talk.
Your company. Your users. Your vision.
Tell us about it. We’re all ears.