Smart lending management para sa bawat Filipino lender
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KOLEKTA
—
Free
Good morning!
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Free
Active Loans
0
₱0 total
Collected this month
₱0
0 payments
Overdue
0
₱0 outstanding
Due Today
0
scheduled today
Collections — Last 3 Months
⚡
You're almost at your free limit.
Tap to view Pro plan →
Collect Today
0
No collections today
No payments scheduled for today.
Overdue
0
Collections
Today
Borrowers
Account
My Profile
V
—
—
Free
Edit Profile
0/20
Auto-filled when creating a new loan
Default penalty rate for all new loans
📚 Tutorials
Replay any tutorial to review how each section works.
💬 Help & Feedback
Help us improve Kolekta. Your feedback goes directly to the team.
SMS & Email Credits
SMS Credits
—
remaining
Email Credits
—
remaining
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.
Refer & Earn
Earn ₱150 SMS credits for every lender who signs up using your referral link.
kolektaph.com/r/—
Total referrals: 0 · Credits earned: ₱0
Account
Loans
📒 Books
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New Borrower
Edit Borrower
New Loan
Step 1 of 2 — Who are you lending to?
OR
Add New Borrower
You can complete the borrower profile anytime from the Borrowers section.
Lending to
—
% of loan amount
Auto-computed
—
Per payment
₱—
% / day
5% of the due amount per day overdue
Loan Preview
Total Interest
₱0
Total Payable
₱0
Per Payment
₱0
Maturity
—
Record Payment
⚠️ Partial Payment
Amount Due
₱0
You Entered
₱0
Shortfall
₱0
What to do with the remaining balance?
✓ Overpayment — excess will be applied to future payments
Excess: ₱0
Borrower
Loan Details
SMS & Email Credits
Your Credit Balance
SMS Credits
30
of 30 free/month
Email Credits
50
of 50 free/month
30 free SMS your first month · 10 free SMS/month after that
Top-up Packs
SMS Only
50 SMS credits
₱69
₱1.38/SMS
Combo Starter
100 emails + 30 SMS
₱59
Best for starters
Most Popular
Combo Standard
300 emails + 100 SMS
₱169
₱1.69/100 SMS
Best Value
Combo Power
1,000 emails + 300 SMS
₱449
₱1.50/100 SMS
Complete Payment
You are paying for
₱169
Combo Standard · 300 emails + 100 SMS
Payment Method
G
GCash
M
Maya
MB
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.
Your smart lending management tool. Let's do a quick tour — 5 steps, less than 2 minutes.
What Kolekta does for you:
✓ Track all your borrowers in one place
✓ Manage loans with automatic payment schedules
✓ See who to collect from every day
✓ Record payments instantly
✓ Monitor your portfolio with live analytics
📊
Dashboard
Your home base. Every time you open the app, you see:
Active Loans
12
How many active loans you have
Due Today
5
Who to collect from today
Overdue
3
Loans that missed their due date
Collected
₱8.2k
Payments received this month
👥
Step 1: Add your borrowers
Start by adding the people who borrow from you. Go to the Borrowers tab and tap + Add Borrower.
What to fill in:
• First Name — required, Last Name optional
• Phone Number — for reminders later
• Street Address & Barangay — for collection route
• Tag — Good Payer, VIP, At Risk, or Blacklisted
💡 Free plan tip: You can add up to 10 borrowers. Upgrade to Pro for unlimited.
💰
Step 2: Create a loan
Once you have a borrower, go to Loans → + New Loan. Kolekta will automatically calculate the full payment schedule for you.
What to set:
• Loan Amount — the principal
• Interest Rate — e.g. 20 for 20%
• Type — Flat or Diminishing balance
• Frequency — Daily, Weekly, or Monthly
• Number of payments — e.g. 12 months
• Funding/Release Date & First Payment Due Date
💡 The Loan Preview shows total interest, per-payment amount, and maturity date before you save.
✅
Step 3: Collect & record
Every day, the Dashboard and Collections tab shows exactly who to collect from. Tap any borrower to record a payment instantly.
How it works:
1. Tap a borrower in the Collect Today list
2. Confirm the amount (pre-filled)
3. Select payment method (Cash, GCash, Maya, Bank)
4. Add reference number if needed
5. Tap Record Payment — done!
🎉 You're all set! Tap Get Started below to begin using Kolekta.
Payment Arrangement
Arranging payment for
—
Remaining balance to arrange
₱0
Split into how many payments?
Tap a number — payment rows will be auto-filled equally. You can edit each one.
Once saved, loan status changes to Arrangement. The original overdue schedules will be marked as settled and replaced with these new payment dates.
Collection History
Log Capital
What kind of capital movement is this?
💰 Add Capital: Extra money you're putting in to lend out more — e.g. salary, reinvested collections.
Log Expense
What kind of expense is this?
🚫 Waive Loan
⚠️ This cannot be undone
This will permanently write off the remaining balance, close all open schedules, and mark the loan as Waived.
Waiving loan for
—
—
Dashboard
—
—
Tap "Got it" to dismiss
Report an Issue
🐛
Found something that's not working? Tell us what happened and we'll fix it.
📋 We automatically include your plan and account type — no need to mention it.
