Microfinance on Odoo

Piloto Finance

The suite for lenders that manages the full credit lifecycle — origination, amortization, authorization, disbursement, CFDI invoicing, payments and reconciliation — for individual and group loans. Built on Odoo: it orchestrates the native accounting, without keeping a parallel ledger.

Request a demo See the platform

Full credit lifecycle

From draft to close, with an amortization schedule that builds itself.

Statuses: draft → under review → approved → disbursed → closed
Four amortization methods (French, German, simple interest, flat)
Installment table with principal, interest and VAT broken down
Disbursement wizard: date, account, method (cash/SPEI/check)
Automatic CFDI invoicing of installments, with native l10n_mx_edi
Portfolio-at-risk (PAR) classification by days overdue

Payments with the Mexican waterfall

The payment is applied in the correct order and only when the money actually arrived.

Configurable waterfall: late interest+VAT → interest+VAT → principal (FIFO)
Live preview of how the payment will be applied before confirming
Two-phase model: the payment is applied when reconciled against the bank
Credit balance with manual or automatic application
Late-payment interest with rate and grace days configurable per product

Group loans / community banking

Each member with their own loan; the group, coordinated.

Group creation, members and activation with their own flow
Consolidated meeting collection: one deposit, distributed per member
Collection with a shared reference (a single SPEI reconciles the whole group)
Automatic solidarity: surplus that covers members in arrears
Group credit balance and settlement

Círculo de Crédito inquiry

Bureau integrated into the origination flow, with the client's authorization.

Consolidated Credit Report, FICO® Score and AML (PLD) messages
Approval gating by the product's minimum score
Client authorization (LRSIC) required for the inquiry
Prevention (AML/PLD) alert and RFC/CURP validation
Request signing with ECDSA and response verification

Customer portal and mobile origination

The borrower checks and pays online; the promoter originates from their phone.

"My loans" portal: balance, next installment, overdue amount and schedule
Online payment (card) and SPEI with an auto-reconcilable reference
Downloadable PDF account statement
Mobile origination from WhatsApp (WA Universal), individual and group
AI-based ID (INE) reading: names, CURP and RFC auto-computed and validated

It orchestrates Odoo, it doesn't duplicate it

Balances, invoices, payments and statements are standard Odoo objects. The CFDI is stamped with native l10n_mx_edi and reconciliation is the native one. Less surface, more reliable.

Guías