Kolekta — Smart Lending Management Tool

KOLEKTA

Smart lending management para sa bawat Filipino lender

Password

By logging in, you agree to our and .

Good morning!

Free

Active Loans

₱0 total

Collected this month

₱0

0 payments

Overdue

₱0 outstanding

Due Today

scheduled today

Collections — Last 3 Months

Collect Today

No collections today

No payments scheduled for today.

Overdue

Account

My Profile

System Time (PHT)

—

Free

Edit Profile

Business / Display Name

SMS Display Name (max 20 chars — shown in SMS)

0/20

Phone Number

Default Interest Rate (%)

Auto-filled when creating a new loan

Default Interest Type

Default Payment Frequency

Late Fee Default Rate (% per day)

Default penalty rate for all new loans

📱 Add to Home Screen

Para ma-install ang Kolekta sa inyong iPhone:

1 Tap the Share button ⬆ at the bottom of your browser

2 Scroll down and tap "Add to Home Screen"

3 Tap "Add" — Kolekta will appear on your home screen

Works offline. No app store needed. Free to install.

🔔 Notification Settings

Control what notifications are sent and when. Each notification costs 1 credit.

Automated Borrower Reminders

Remind before due date

Send borrower a heads-up before payment is due

Overdue reminder

Remind borrower after a missed payment

Weekly summary to borrowers

Send borrowers their balance every Sunday

Alerts Sent to You

Daily collection digest

7AM summary of who to collect from today

Overdue alert

Notify you when a loan passes its due date

Low credits warning

Alert when you drop below 10 credits

Weekly portfolio summary

Sunday summary of your full loan portfolio

📚 Tutorials

Replay any tutorial to review how each section works.

💬 Help & Feedback

Help us improve Kolekta. Your feedback goes directly to the team.

Notification Credits

—

credits remaining

1 credit per notification
SMS or Email, your choice
Never expires

Current Plan

Libre

₱0

forever

You're using — of 25 borrowers and — of 25 active loans.

Borrowers

0 / 25

Active Loans

0 / 25

My Payment Methods

Shown to borrowers when they pay

No payment methods added yet.
Add one so borrowers know how to pay you.

Account

First Name *

Last Name

First Name *

Last Name

Barangay

City / Municipality

New Loan

Step 1 of 2 — Who are you lending to?

Add New Borrower

First Name *

Last Name *

Phone Number *

Street Address optional

You can complete the borrower profile anytime from the Borrowers section.

Fixed Total

Most common for small/informal lenders. Interest is a one-time % of the loan amount.
₱10,000 at 20% = ₱2,000 interest. Always ₱12,000 to pay back.

Fixed Per Month

Rate charged per month of loan duration.
₱10,000 at 10%/month for 3 months = ₱3,000 interest.

Diminishing Balance

Bank-style. Interest computed on remaining unpaid balance each period.
₱10,000 at 2%/month — interest gets smaller as borrower pays down.

Auto-computed

—

Per payment

₱—

Funding Date *

First Due Date *

5% of the due amount per day overdue

Loan Preview

Total Interest

₱0

Total Payable

₱0

Per Payment

₱0

Maturity

—

⚠️ Partial Payment

Amount Due

₱0

You Entered

₱0

Shortfall

₱0

What to do with the remaining balance?

Set up Payment Arrangement

Schedule remaining balance on new dates

Add to next payment

Roll into next scheduled payment

Record partial & flag

Mark as partial, stays overdue

✓ Overpayment — excess will be applied to future payments

Excess: ₱0

Your Credit Balance

credits remaining

1 credit = 1 notification
Works for SMS or Email
Never expires

50 credits included on signup · top up anytime

How credits work

📱 Send SMS reminder → 1 credit
📧 Send email reminder → 1 credit
📊 Lender digest (daily/weekly) → 1 credit
🔔 Overdue alert to you → 1 credit

₱49

₱0.98/credit

₱129

₱0.86/credit

Standard

350 credits

₱249

₱0.71/credit

₱499

₱0.62/credit

Business

2,000 credits

₱999

₱0.50/credit

You are paying for

₱169

Combo Standard · 300 emails + 100 SMS

GCash

Maya

Maribank

GCash Number

0921 283 6683

Account Name

Van Da Vinci A.

Account Number

15444676673

Account Name

Van Da Vinci Amaranto

Upload Proof of Payment

Tap to upload screenshot

Select your GCash, Maya, or bank
payment confirmation screenshot

screenshot.jpg

Ready to submit

How it works

1. Send the exact amount to GCash or Maribank
2. Screenshot your payment confirmation
3. Upload screenshot above and submit
4. Credits activated within 1–2 hours (8AM–8PM)

Credits activated manually · 8AM–8PM daily

KOLEKTA

Plans & Pricing

Choose your plan

Start free. Upgrade when your business grows.

✓ Current Plan

Libre

₱0 / forever

Everything you need to start tracking your lending — no credit card, no expiry.

Up to 25 borrowers & 25 active loans

Daily, Weekly, Bi-monthly & Monthly payment frequencies

Fixed rate & diminishing balance interest types

Auto-computed payment schedules

Full ledger & payment history per loan

Partial payments & payment arrangements

Late fee & penalty computation

Shareable Statement of Account

Collection history per borrower

On-time payment rate per borrower

3-month collections chart

1-Tap SMS & Email Reminders — 50 credits on signup

Books — capital, expenses & P&L tracking

Built-in SEC MC 18-2019 & MC 14-2025 compliance

PWA — installs on any phone, works offline

🚀

Pro and Agency plans coming soon. Early subscribers get their rate locked in forever — you'll never pay more than the launch price.