Yes. Kolekta's Libre plan is free forever — no credit card, no expiry. Manage up to 25 borrowers and 25 active loans at no cost.

Kolekta is a lending management app built for Filipino lenders. It helps you track loans, borrowers, payments, and collections — replacing the traditional notebook with a smart digital system.

Does Kolekta work on mobile?

Yes. Kolekta is a Progressive Web App (PWA) that works on any smartphone. You can install it on your home screen from your browser — no app store required. It works offline too.

How does Kolekta send reminders?

Kolekta uses a credit-based notification system. 1 credit equals 1 SMS or email reminder to a borrower. You start with 50 free credits. Reminders are compliant with SEC MC 18-2019 collection regulations.

Kolekta — Smart Lending Management for Filipino Lenders

Ang problema

Hindi na sapat ang notebook at excel para sa isang katulad mo.

Nasaan na ang bayad ni Juan? Magkano pa ang utang ni Maria? Kailan next due ni Pedro? Kung sa isip mo pa ito lahat — may mas magandang paraan na.

Dati

Notebook + Memory

❌Manual na pag-compute ng bawat bayad
❌Nakakalimutang due dates at mga nangutang
❌Nawawalang notebook, nawawalang records
❌Walang history ng bawat borrower
❌Hindi nalalaman kung kumikita ka ba talaga

Kolekta

Smart. Simple. Sa Phone.

✅Auto-computed payment schedules
✅Due date reminders in just 1 tap
✅Complete history ng bawat borrower
✅Full ledger — bawat piso tracked
✅P&L at capital tracking sa Books

Ang features

All you need. All in one app.

Ginawa namin ang Kolekta para sa lahat ng nagpapautang malaki man o maliit.

📋

Auto Payment Schedules

Ilalagay mo lang ang loan details tapos Kolekta na ang mag-cocompute ng bawat due date at amount. Daily, weekly, bi-monthly, o monthly.

💸

Smart Payment Engine

Full, partial, o overpayment — lahat nakarecord. Auto-completed ang loan kapag zero na ang balance. Hinding hindi ka na magkakamali.

📱

1-Tap SMS & Email Reminders

Remind borrowers in just one tap — SMS o email, ikaw ang bahala!

🤝

Payment Arrangements

Hindi makabayad ang borrower? I-set up ang arrangement in seconds. I-split ang balance sa custom na dates at amounts.

📊

Full Ledger & History

Bawat piso tracked at recorded.

📒

Books — Business Finances

I-track ang capital, expenses, at monthly Profit & Loss. Malalaman mo agad kung kumikita ka ba talaga.

👥

Borrower Management

Complete profile ng bawat borrower — contact, address, loan history, payment behavior. Lahat sa isang lugar.

📲

PWA — Works on Any Phone

I-install sa home screen. Works offline. No download needed!

🔔

Lender Alerts (Pro)

Daily digest ng mga kailangan mong kolektahin. Overdue alerts. Weekly portfolio summary. Always be updated.

Paano gumagana

Easy 4 Steps.

Kahit hindi ka tech-savvy magagamit mo ito!

Gumawa ng account gamit ang iyong email. No credit card needed. Free forever ang Libre plan.

Record your borrowers

I-add ang mga taong pinahihiraman mo. Pangalan, number, address. Ganun lang kabilis!

Gumawa ng loan

Principal, interest rate, term — si Kolekta na ang mag-compute ng buong installment.

Collect and Remind

Collect their payments. Send reminders and watch yourself grow.

Presyo

Start for free,
then upgrade when you're ready!

Our Libre plan is FREE FOREVER. No trials, no expiry, just free.

Libre

For small and casual lenders

₱0

forever — walang credit card

✓25 borrowers
✓25 active loans
✓Auto payment schedules
✓Full ledger & payment history
✓50 notification credits on signup
✓Books — capital & expense tracking
✓Payment arrangements
✕Unlimited borrowers & loans
✕Automated reminders

Start for Free →

Coming Soon

Notify me when available

Pro

For active lenders

₱399

monthly

✓Unlimited borrowers & loans
✓200 notification credits/month
✓Automated before-due reminders
✓Overdue reminder automation
✓Daily collection digest (7AM)
✓Overdue alert sa'yo
✓Weekly portfolio summary
✓Full Books P&L reports
✓Priority support

Mag-upgrade sa Pro →

Agency

For Cooperatives and Loan Agencies

₱1,299

monthly

✓Lahat ng Pro features
✓500 notification credits/month
✓Multiple collector accounts
✓Role-based access control
✓Collector assignment per area
✓Team dashboard & analytics
✓Dedicated support

Talk to us →

Product Roadmap

Where we are. Where we're going.

Kolekta is actively developed. Here's what we've shipped and what's coming next.

✅

Libre Plan — Live Now Free Forever

Manage up to 25 borrowers and 25 active loans at no cost. Auto-computed payment schedules, full ledger and payment history, payment arrangements, SMS and email reminders, Books for capital tracking, Statement of Account sharing, and SEC-compliant collection guardrails.

🔨

Stabilisation & Improvements In Progress

Performance improvements, automated notification engine, arrangement engine overhaul, loan editing, and dry-run testing.

🚀

Pro Plan Next Release

Unlimited borrowers and loans. Automated before-due and overdue reminders. Daily collection digest to your inbox. Weekly portfolio summary. 200 notification credits included per month.

📋

Agency & Cooperative Plan Planned

Multi-collector teams, role-based access, branch-level tracking, and advanced reporting. Built for cooperatives and growing lending businesses.

🔮

Future Exploring

AI-assisted risk insights, borrower self-service portal, and expanded regional support.

Bakit Kolekta

Ginawa para sa taong tulad mo.

Made by Filipinos for Filipinos. Para sa mga nagpapautang at nahihiyang maningil ng utang.

“Dati, sa notebook ko lahat. Ngayon, sa Kolekta ko na. Mas maayos, hindi na ako nagkakamali sa bayad.”

Rosa L.

Informal lender, Marikina

“Ang dali gamitin. Hindi ako marunong sa tech pero kaya ko naman. Yung reminder feature, favorite ko talaga.”

Jun D.

Palengke lender, Quezon City

“Sulit na sulit. Libre na nakakatulong pa.”

Mayette A.

Neighborhood lender, Cavite

Hindi dapat mahirap
magpautang at mangolekta.

Hindi na sapat ang notebook at excel para sa isang katulad mo.

All you need. All in one app.

Easy 4 Steps.

Start for free,
then upgrade when you're ready!

Where we are. Where we're going.

Ginawa para sa taong tulad mo.

Handa ka na ba?
Subukan mo. Libre lang naman.

Hindi dapat mahirap magpautang at mangolekta.

Hindi na sapat ang notebook at excel para sa isang katulad mo.

All you need. All in one app.

Easy 4 Steps.

Start for free,then upgrade when you're ready!

Where we are. Where we're going.

Ginawa para sa taong tulad mo.

Handa ka na ba?Subukan mo. Libre lang naman.

Hindi dapat mahirap
magpautang at mangolekta.

Start for free,
then upgrade when you're ready!

Handa ka na ba?
Subukan mo. Libre lang naman.