Loan management system for SME lending companies in the Philippines
Daily and weekly collections on the collector's phone, instalment schedules, loan register, ageing and P&L — one cloud system for SME lenders: SEC-registered lending companies, financing companies, cooperatives and microfinance. Available white-labelled under your own brand.
No credit card · Workspace in 10 minutes · Cancel anytime
Made for collector-based lending
Most Philippine lending businesses live or die on daily collection. CLMS Cloud gives each collector an app on their own phone: today's due list, overdue accounts with arrears, and one-tap posting of a payment, partial payment, penalty or extension interest. The office sees every posting live and can run the collection report per collector per day.
Loans are booked with the interest amount up front and any mix of daily, weekly or monthly instalments — the same structure used by 5-6 style lenders, salary-loan companies and cooperatives. The schedule is shareable to the borrower as an image on Messenger or Viber.
Loan register, ageing and cash-flow reports export to CSV for your SEC annual report and your accountant. Every change is in the audit log.
What you get
- ✓Loan booking with live calculation: front interest, deposit, daily / weekly / monthly instalment plans
- ✓Instalment schedule with per-term status, shareable to the customer as an image via WhatsApp
- ✓Mobile collection round (PWA app): due and overdue instalments with arrears, multi-term settlement
- ✓Payment, partial, late-charge and extension-interest types by cash, cheque or bank
- ✓Customer KYC files (IC, agreement, photos, PDF) in private cloud storage; duplicate IC/phone warning; blacklist
- ✓1–5 star customer grading that re-scores after every payment
- ✓Levels and custom roles (capabilities × team scope), per-user agent access, time-window visibility for new staff
- ✓Reports: loan register, collection, ageing, cash flow, P&L, monthly vintage snapshot — CSV export
- ✓Expenses (40 categories), staff payroll, other income and owner capital in the P&L
- ✓Telegram bot for login codes, digests and alerts; system announcements; maintenance mode
- ✓Audit log on every customer, loan, payment and status change; Data Check self-audit; nightly backups
- ✓UI in English, 中文 and ភាសាខ្មែរ; six themes; adjustable font size
Questions from Philippine lenders
We do daily collections. Does it handle that?
Yes — daily, weekly and monthly instalment plans, and the collection round is designed around a collector's daily route.
Does it work on cheap Android phones and slow data?
It is a light web app that installs to the home screen; pages are small and it works on 3G.
Can I see collections per collector?
Yes — the payments list totals by collector and day, and the collection report is scoped by user.
Peso support?
Each workspace is set to its own currency at activation; PHP is supported.
Can we brand it as our own system?
Yes — the White Label OEM option. ES Vision deploys CLMS Cloud under your company name, logo, colours and domain and keeps maintaining it. Priced per project; contact our sales team.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.