How to Manage Loan Repayments and Collection Visits | CobroRuta

CobroRuta is an Android app for managing loan records and in-person repayment visits. It brings together customers, loan balances, installment schedules, payment history, and visit records so you can see what needs attention and what happened at each stop.

CobroRuta's home screen keeps the main portfolio tools together.

A practical workflow for in-person collections

1. Create a customer profile and record the loan with its installment schedule.
2. Generate a route from installments due today or overdue. Overdue stops come first. When usable location data is available, CobroRuta orders stops by approximate geographic distance; otherwise, due dates guide the order.
3. At each visit, record the outcome: no contact, a payment promise and date, or a partial or full payment. Add a note or optional GPS location when useful.
4. Review the updated balance and portfolio reports.

Keep customers, loans, and payment history connected

Link each loan to a customer and review its installment schedule and payment history in one place. When you record a partial or full payment, CobroRuta updates the remaining balance and keeps the transaction in the loan history.

Payments are recorded for tracking; CobroRuta does not receive, transfer, or process money.

Review the portfolio after the route

Reports cover portfolio health, expected collections, overdue balances by aging, and cash flow. You can preview a report as a PDF or export it to Excel.

Reports summarize portfolio health, expected collections, overdue installments, and cash flow.

Use Android locally or sync across devices

You can use CobroRuta on Android without signing in. Sign in with Google to link your data and sync across devices. After sign-in, sync is on by default and can be turned off in Settings. Sync requires an internet connection; map tiles and external navigation may also need internet access.

Who is CobroRuta for?

CobroRuta is for people who manage loan portfolios and follow up with customers in person. It helps organize records and collection work; the person or business using it remains responsible for lending decisions.

Frequently asked questions

Does CobroRuta calculate the fastest driving route?

No. It orders stops using approximate geographic proximity and due dates, but it does not estimate driving times or promise the fastest road route.

Do I need to sign in to use CobroRuta?

You can use the Android app locally without signing in. Google sign-in links your data and enables cloud sync.

Does CobroRuta collect payments?

No. You can record payments received outside the app, but CobroRuta does not handle or transfer money.

Can I record a partial loan payment?

Yes. Record the amount received, and CobroRuta adds it to the payment history and updates the remaining balance.

Try CobroRuta

Visit CobroRuta online or download the Android app on Google Play.