CobrApp: Loan Management3.2.9 - App Store

Log the day's payment in 3 taps, print the receipt, and move to the next stop.
CobrApp keeps your loans, payments, late interest, and loan book current - no notebooks, no spreadsheets.
Try Premium free for 7 days. More than 100,000 people already run their book on it.

WHO COBRAPP IS FOR
Route collectors and daily-payment lenders who are out on the street every day. Independent lenders running their own book. Small lending operations with several collectors. Credit unions and savings cooperatives. Microfinance businesses. Shop owners who sell on store credit and need to know who owes what.

OUT ON THE ROUTE
. Collect in 3 taps: exact payment, partial payment, or advance on future installments
. The balance recalculates itself, so you do no math at the customer's door
. Daily, weekly, biweekly, or monthly payment schedules
. Skip Sundays and holidays so an installment never falls on a non-business day
. Three interest modes: flat, recalculated on the balance, or bank-style compounding
. Add a new loan in under a minute
. Keeps working with the app closed - due dates keep calculating

RECEIPTS THAT LOOK PROFESSIONAL
. PDF receipt with your logo, your business details, and the customer's on-screen signature
. Prints straight to 58mm Bluetooth printers and Wi-Fi printers
. Send the receipt by WhatsApp or email the moment you collect
. Numbered receipts with full history per customer
. Editable receipt templates carrying your own brand

YOUR LOAN BOOK, ALWAYS CURRENT
. How much is out on the street, how much you have recovered, how much you have earned
. Automatic alerts on overdue installments and delinquency tracking
. Status of every loan: outstanding principal, accrued interest, days late
. Cash flow projection so you know what is coming in
. Daily cash close and reports by date range
. Export to Excel and CSV for your accountant

ROUTES AND COLLECTORS
. Collection routes organized by zone and by day
. Assign customers to each collector, with roles and permissions
. See what each collector has taken in, live, from your own phone
. Optional payment geolocation for route traceability
. Several users on the same book without stepping on each other

YOU DO NOT LOSE YOUR BOOK
It is every lender's real fear. CobrApp runs automatic encrypted cloud backup: change phones, sign in, and it all comes back - customers, loans, payments, receipts, and history. Only you can reach your book.

YOUR CURRENCY, YOUR COUNTRY
You pick your business currency in settings: dollars, pesos, soles, reais, quetzales, or whichever one you use. Used by collectors and lenders in the United States, Colombia, the Dominican Republic, Mexico, Argentina, Brazil, Peru, Ecuador, Guatemala, Costa Rica, Panama, Chile, and Uruguay.

FREQUENTLY ASKED

Does it work offline?
Yes. Record payments with no signal and they sync as soon as you are back online.

How many customers can I have?
The free plan carries up to 10 customers, enough to test the app on real cases. Premium is unlimited customers and loans.

Can I manage several collectors?
Yes, on the Team plan. Each collector signs in with their own account, sees only their route, and you see the consolidated take.

What if I enter a payment wrong?
You can edit or void the entry. It stays in the history, so traceability never breaks.

Do I need a printer?
No. You can send the receipt by WhatsApp. If you prefer paper, it works with 58mm Bluetooth printers.

PLANS
Free - up to 10 customers, start today without paying anything.
Premium - unlimited customers and loans, advanced routes, custom reports, and priority support.
Team - several collectors with roles, permissions, and a consolidated view.

The first 7 days of Premium are free. After that it renews automatically on the plan you choose, unless you cancel at least 24 hours before it ends. Cancel any time under Settings, Apple ID, Subscriptions.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Support: cobrapp.co

Version History - New loan types: Declining balance (decreasing installment), Interest only with principal at the end, and No fixed term.
- Enterprise plan: unlimited collaborators, plus customer and loan photos.
- Collect the late fee with the installment: one payment, one receipt.
- Reminders: who to write to today, with the message ready for WhatsApp, SMS or email.
- The receipt goes by WhatsApp straight to the customer's chat.
- Lock the app with fingerprint, Face ID or PIN. 3.2.9 3d ago What's new in this version:
- New loan types: Declining balance (decreasing installment), Interest only with principal at the end, and No fixed term.
- Enterprise plan: unlimited collaborators, plus customer and loan photos.
- Collect the late fee with the installment: one payment, one receipt.
- Reminders: who to write to today, with the message ready for WhatsApp, SMS or email.
- The receipt goes by WhatsApp straight to the customer's chat.
- Lock the app with fingerprint, Face ID or PIN. 3.2.8 3d ago - Collect the late fee with the installment: one payment, one receipt.
- Reminders: who to write to today, with the message ready for WhatsApp, SMS or email.
- The receipt goes by WhatsApp straight to the customer's chat.
- Lock the app with fingerprint, Face ID or PIN.
- Collaborators: one-tap permissions (Collector, Supervisor, Full access).
- The co-debtor also signs the contract and the note.
- Overdue payments show the days overdue. 3.2.7 Oct 3 - Collaborators: new screen and one-tap permission profiles: Collector, Supervisor or Full access, with routes first.
- The co-debtor also signs the contract and the promissory note.
- The renewal document shows how much was carried over from the previous loan and how much was handed in cash.
- Renewed loans get their own tab in the portfolio.
- Overdue payments show the days overdue on each card.
- The text receipt is back as a fourth tab. 3.2.3 Sep 18 - The receipt goes by WhatsApp straight to the customer's chat.
- Lock the app with fingerprint, Face ID or PIN. Turn it on from the Dashboard.
- Deleting a payment no longer leaves two rows in Expenses Control.
- Renewing a loan offers a desired installment and simulation.
- Receipts: "Payments paid", payment method and no cut text. 3.1.98 Sep 15 - Lock the app: after 20 min in the background it opens with fingerprint, Face ID or PIN. Turn it on from the Dashboard.
- Change your password from your profile and see what you type.
- Deleting a payment no longer leaves two rows in Expenses Control: it stays marked "Payment deleted", out of the totals.
- Renewing a loan offers a desired installment and a simulation.
- Receipts no longer cut or blurry, even long ones.
- Closed loans no longer show as overdue. 3.1.88 Sep 5 - Change a customer's route without editing the whole record, see who is on each route, and move several at once.
- Loans settled to zero no longer stay open: the app offers to close them.
- Balance fixed on loans with a principal payment: no uncharged interest.
- Receipts with emoji or ₡/₲ currencies no longer fail; amounts don't split.
- Ads with a daily cap; with Premium they vanish instantly.
- The app is 1 MB smaller and the notification icon is no longer white. 3.1.81 Aug 28 - Fewer ads: longer gaps between full-screen ads and a daily cap.
- Ads disappear right after you go Premium, no restart needed.
- Lists no longer open with an ad in the first row.
- Fixed a crash when editing or renewing a loan opened from the dashboard or Business Status.
- More stable PDF preview and printing.
- Fixed saving changes on customers with a long history.
- Stability fixes in the loan list and loan profile. 3.1.76 Aug 21 - New option to calculate late fees on overdue capital + interest, or overdue capital only.
- New "Recovered" breakdown in Business Status, sortable by amount, customer, late fee or date.
- Duplicate ID warning when creating a customer, with a shortcut to the customer that already uses it.
- Renaming a customer now updates the name everywhere.
- Business exports now match the figures on screen and flag renewed loans.
- Deleting your account now removes the sign-in too: 30 days to recover it as an admin, immediate for collaborators.
- Deleting a collaborator frees up their email address so you can register it again.
- Ads no longer pop up in the middle of a navigation and are spread out through the day.
- Fixes to renewal, late fee and partial payment figures, plus more reliable PDF exports. 3.1.75 Aug 19 - New option to calculate late fees on overdue capital + interest, or overdue capital only.
- New "Recovered" breakdown in Business Status, sortable by amount, customer, late fee or date.
- Renaming a customer now updates the name everywhere.
- Business exports now match the figures on screen and flag renewed loans.
- Fixes to renewal, late fee and partial payment figures, plus more reliable PDF exports. 3.1.72 Aug 11 - New installment multiplier to easily record multiple installments in a single payment.
- Customize the footer of your company receipts.
- Faster and more optimized PDF document generation.
- Improvements to purchases, subscription restoration, and loan renewals. 3.1.70 Jul 28 - New loan renewal system with transferred balance tracking and adjusted cash flow calculations.
- Improved subscription status display and renewal details.
- Enhancements for closed loans and payment validations.
- Overall UI and user experience improvements. 3.1.66 Jul 1 - New loan renewal system with transferred balance tracking and adjusted cash flow calculations.
- Improved subscription status display and renewal details.
- Enhancements for closed loans and payment validations.
- Overall UI and user experience improvements. 3.1.62 May 23 - New business status module with profitability dashboards and predictive analytics.
- Improved visualization with new colors and fresher data.
- More variables available for generating custom documents.
- Enhancements to customer images and overall performance. 3.1.59 May 12 - New Document Generation module with dynamic templates and digital signature.
- Automatically insert data and preview documents in real time.
- Improvements to receipts, customer search, and overall experience. 3.1.53 Apr 18 - New Document Generation module with dynamic templates and real-time preview.
- Automatically insert data into documents with a smart editor and quick search.
- Built-in digital signature and image support in documents.
- Improved experience when creating and managing templates.
- Enhancements to team plan management and collaborator allocation. 3.1.52 Apr 15 - New collection activities and follow-ups management system.
- New Portfolio module with improved portfolio control.
- New team plans that preserve collaborator subscriptions.
- Bulk payment date updates and improved filtering.
- Improved customer view with routes and tags.
- Integrated Help Center and FAQ with quick access to support.
- Bluetooth receipt printing support. 3.1.48 Mar 31 - New Portfolio module with improved portfolio control.
- New team plans that preserve collaborator subscriptions.
- Integrated Help Center and FAQ with quick access to support.
- More control over visible fields on receipts.
- Optimized dashboard performance with improved dark mode support.
- Enhanced Excel import/export.
- Bluetooth receipt printing support. 3.1.47 Mar 11 - New Portfolio module with improved portfolio control.
- New team plans that preserve collaborator subscriptions.
- Optimized dashboard with faster loading and better performance.
- Visual enhancements with smoother animations and refreshed design.
- Enhanced Excel import/export.
- Built-in help center with step-by-step guidance.
- Bluetooth receipt printing support. 3.1.44 Mar 5 - New team plans that allow administrators to purchase subscriptions with premium collaborators included.

- New portfolio capital card with segmentation and modal views.

- Greater stability and reliability in calculations and displayed data.

- Improved control by eliminating late payments to prevent errors.

- New calculator that allows adjusting installments or interest rates according to the type of loan. 3.1.35 Feb 23 - New team plans that allow admins to purchase subscriptions with premium collaborators included.
- Added portfolio capital card with segmentation service and modal views.
- Improved stability and reliability in calculations and displayed data.
- Better control when deleting late fee payments to prevent errors.
- New calculator that lets you adjust installments or interest based on the loan type. 3.1.33 Feb 14 - New team plans that allow admins to purchase subscriptions with premium collaborators included.
- Added portfolio capital card with segmentation service and modal views.
- Improved stability and reliability in calculations and displayed data.
- Better control when deleting late fee payments to prevent errors.
- New calculator that lets you adjust installments or interest based on the loan type. 3.1.29 Jan 30 - New team plans that allow admins to purchase subscriptions with premium collaborators included.
- Added portfolio capital card with segmentation service and modal views.
- Refactored date picker and updated dashboard translation labels.
- Added quick actions card to the main dashboard. 3.1.28 Jan 21 - Added portfolio capital card with segmentation service and modal views.
- Refactored date picker and updated dashboard translation labels.
- Added quick actions card to the main dashboard.
- Improved dark mode support across dashboard and company pages.
- Added payment frequency and enhanced loan balance fields to receipts.
- Updated dashboard copies for better clarity. 3.1.23 12/11/2025 - Added quick actions card to the main dashboard.
- Improved dark mode support across the dashboard and company pages. 3.1.17 11/29/2025