PrestaCRM — Loan & Credit Portfolio Management Platform
Specialized operating system for credit entities, lenders, and loan portfolio managers
Project Overview
PrestaCRM is an all-in-one loan management and portfolio operations platform. It centralizes applicant intake, automated AI/rules-based risk scoring, French amortization schedules, an immutable double-entry ledger, and automated WhatsApp collection notifications.
The Challenge
Many independent lenders and credit entities manage millions in active portfolio using fragile Excel spreadsheets. This leads to accidental formula corruption, uncalculated late penalties, lack of audit history, and hours spent manually calling borrowers for payment follow-ups.
Technical Constraints
The system required total mathematical immutability for interest and principal payments, real-time collection trigger automation, and complete tenant isolation without complex deployment overhead.
Technologies & Architecture Stack
Immutable Double-Entry Financial Engine & WhatsApp Dispatcher
We designed a multi-tenant credit management architecture built around strict financial accounting rules:
Key Measurable Outcomes
- Manages over RD$10,000,000+ in active credit portfolio across Dominican Republic lenders.
- Achieved an 18% reduction in borrower delinquency rates within 90 days of onboarding.
- Saved administrative teams up to 60% of time previously spent on manual collection calls.
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