ComTech4All
FINTECH & RECOVERY PLATFORM

INSTALLMENT & RECOVERY MANAGEMENT SOFTWARE

Engineered for retail electronics, automobile leasing, home appliances, and microfinance organizations managing deferred payment schemes and field collections.

Schedule Interactive Demo Explore Core Capabilities
120,000+
Installments Processed
99.4%
Ledger Accuracy Rate
45%
Faster Recovery Turnaround
1-Click
Instant WhatsApp Receipts
OPERATIONAL EXCELLENCE

Engineered to Eliminate Defaulter Leakage & Manual Ledgers

Complete end-to-end tooling from credit application and guarantor verification to daily cashier reconciliations.

Flexible Plan Generator

Define custom installment tenures (3, 6, 12, 24, 36 months). Configure down payments, advance payments, markup rates, and balloon payment options in seconds.

  • Daily, weekly, or monthly schedules
  • Early settlement discount calculation
  • Flexible down payment splits

Aging & Overdue Engine

Automatic categorization of defaulters into 1–30 days, 31–60 days, and 90+ days delinquent buckets. Configurable late penalty algorithms with audit trails.

  • Automatic penalty calculation rules
  • Manager override & waiver tracking
  • Legal notice generation engine

Field Officer Mobile App

Equip your collection agents with a high-speed mobile dashboard. Collect payments on-site, record customer visit notes, capture geolocation tags, and print receipts.

  • GPS verification of recovery visits
  • Bluetooth thermal printer support
  • End-of-day officer cash settlement

Guarantor & KYC Vault

Record multiple guarantors per account with verified CNIC pictures, residential addresses, utility bill scans, and employment records to prevent bad debts.

  • Dual guarantor documentation profiles
  • Cross-account guarantor lookup
  • Defaulter blacklist warning system

WhatsApp & SMS Dispatch

Provide transparency and improve customer confidence. Automated payment confirmations, monthly upcoming due dates, and PDF statements delivered to WhatsApp.

  • Official WhatsApp Business API delivery
  • Pre-due reminder automation (3 days prior)
  • Customer account ledger on-demand bot

Cashier & Multi-Branch Audit

Prevent internal cash pilferage. Enforce opening/closing cash drawer balances, shift handovers, supervisor reconciliation, and direct bank deposit matching.

  • Counter-level cash balance enforcement
  • Multi-branch consolidated reporting
  • Detailed ledger transaction audit logs
WORKFLOW SIMPLICITY

The 4-Step Installment Recovery Pipeline

Optimized to keep accounts current and minimize bad debt write-offs.

01
Customer Onboarding

Record personal details, biometric scans, CNICs, and verified guarantor profiles.

02
Automated Plan Creation

Generate payment schedules, calculate down payment, and print installment agreements.

03
Proactive Reminders

System automatically sends pre-due alerts via SMS and WhatsApp to prompt timely payments.

04
Collection & Receipts

Counter or field recovery with instant digital receipt and automated ledger reconciliation.

COMMONLY ASKED

Frequently Asked Questions

Technical and operational answers for business owners and credit managers.

Yes. You can configure a daily fixed penalty fee, a percentage penalty, or a grace period (e.g. 5 days after the due date before penalty triggers). Managers can also be given role-restricted permissions to waive or discount penalties with mandatory reason notes.

Yes. The field recovery mobile application features an offline data sync mode. Collections recorded offline are encrypted locally on the phone and automatically synced to the primary database as soon as connectivity resumes.

Yes. The platform integrates an inventory module that tracks serial numbers, engine/chassis numbers, model specifications, warranties, and supplier purchase invoices directly tied to the client's installment contract.

We support both private on-premise installation in your company head office and dedicated private cloud deployment with SSL encryption, firewall policies, and automatic off-site disaster backups.
SYSTEM DEMONSTRATION

Request an Installment ERP Demonstration

See how our software can streamline your collections, reduce defaults, and eliminate manual calculation errors.