Adaptaremos impuestos, comprobantes y moneda automáticamente.
Para la cooperativa que coloca créditos y necesita cobrar, medir su cartera y reportar: el crédito con su cronograma, la cobranza con mora, la caja financiera, las garantías y los reportes SBS en un solo sistema.
Illustrative example: watch your business grow, up to date and from any device.
The same ERP, configured for your operation. These are the features you'll use the most.
Origination, assessment and disbursement with role-based approval.
Installment calculation, interest rates (APR/monthly) and payment schedules.
Daily payments, late-fee tracking and cash reconciliation.
Role-based workflow: requested, approved, disbursed.
Generate contracts, addenda and promissory notes with company data.
Portfolio and arrears analysis with explainable statistics.
Rates vary depending on your tax regime and your activity (for example Autónomo (estimación directa o módulos), SL, SA · Verifactu 2026). Check with your accountant or with AEAT.
* Los comprobantes del plan gratuito son de control interno: te sirven para ordenar tus ventas, pero no tienen validez tributaria ante AEAT. La facturación electrónica es parte de los planes de pago. See what changes →
* Optional add-on: enabled according to your equipment and operation, and quoted together with the implementation.
They are two different things, and it is worth being clear before you start:
You can start free and switch on electronic invoicing when you need it: the data you already entered is kept.
Every feature relevant to your industry, side by side.
| Premium Features | Gratuito€ 0 · Free | Pymefrom €110 | Corporativofrom €230 | Ultrafrom €460 |
|---|---|---|---|---|
| Loan origination: individual, group and business lending | ✕ | ✔ | ✔ | ✔ |
| Installment calculation with effective annual/monthly rate and amortization schedule | ✕ | ✔ | ✔ | ✔ |
| Schedules, contracts and electronic promissory notes | ✕ | ✔ | ✔ | ✔ |
| Daily installment collection with overdue-payment tracking | ✕ | ✔ | ✔ | ✔ |
| Cash management: opening, closing, counts and bank reconciliation | ✔ | ✔ | ✔ | ✔ |
| Accounts receivable and accounts payable | ✕ | ✔ | ✔ | ✔ |
| Approval workflow (requested → evaluated → disbursed) | ✕ | ✔ | ✔ | ✔ |
| Portfolio, delinquency and loan-loss provision reports | ✔ | ✔ | ✔ | ✔ |
| Internal credit scoring (based on Basel II / banking regulator standards) | ✕ | ✔ | ✔ | ✔ |
| Credit bureau inquiries | ✕ | ✔ | ✔ | ✔ |
| Loan refinancing and rescheduling | ✕ | ✔ | ✔ | ✔ |
| Multi-branch operation with consolidated portfolio | ✕ | ✔ | ✔ | ✔ |
| Real-time portfolio and delinquency indicators | ✕ | ✔ | ✔ | ✔ |
| Statistical trend and projection (least squares, R² and Pareto) | ✕ | ✔ | ✔ | ✔ |
| Generation of regulatory reports for your local financial authority | ✕ | ✕ | ✔ | ✔ |
| Electronic signing of contracts and promissory notes with legal validity | ✕ | ✕ | ✔ | ✔ |
| Payment gateway for online collections (Visa, local digital wallets) | ✕ | ✕ | ✔ | ✔ |
| Integrated accounting and electronic accounting ledgers | ✕ | ✕ | ✔ | ✔ |
| Payroll and HR (payroll & social security) | ✕ | ✕ | ✔ | ✔ |
| Priority support and training | ✕ | ✔ | ✔ | ✔ |
| Multi-company: up to 5 additional companies included | ✕ | ✕ | ✕ | ✔ |
| Unlimited branches, users and invoices | ✕ | ✕ | ✕ | ✔ |
Gratuito: esta tabla compara las funciones premium, así que el plan gratuito sale con pocas marcas. Lo que sí incluye —ventas, catálogo, inventario básico, clientes, compras y reportes— está en su tarjeta. Ver lo que incluye el plan gratuito ↑
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