Features · Collections and arrears

Loan collections and arrears reports

Late loans are found by looking, not by luck. LoanTabs gives your team a worklist of overdue loans, a printable daily collection sheet, and the portfolio-at-risk, aging and provisioning reports that show how much of the book is in trouble.

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What are loan collections and delinquency reports?

Loan collections and delinquency reports show which loans are overdue, by how many days and by how much, so a lender can follow up and measure risk. Common ones are a delinquency list, an aging report, portfolio at risk (PAR) and a provisioning schedule. LoanTabs includes all four as built-in reports.

LoanTabs provides collections reports rather than a full collections module. That means you can see exactly what is overdue and hand a collection sheet to an officer, but it does not run automated reminder campaigns or dialers. For most small lenders and MFIs, knowing precisely who to visit today is what matters.

The collections and risk reports

All of these are among LoanTabs' 28 reports and export to CSV and PDF.

Delinquency worklist

A worklist of overdue loans, so staff start each day knowing who to chase.

Loan delinquency report

Daily collection sheet

A printable sheet with a section for each officer, listing borrowers due with their phone numbers.

Daily loan collection sheet

Collections performance

Measure collection performance, and use the Officer Scorecard report to compare how officers are doing.

Collections performance report

Portfolio at risk (PAR)

The share of the portfolio overdue beyond your thresholds, with thresholds set in your reporting policy.

What portfolio at risk means

Aging report

Outstanding balances in buckets: current, 1-30, 31-60, 61-90, 91-180 and 181+ days past due.

Days past due and loan aging

Provisions and classification

A configurable provisioning matrix and loan classification: standard, watch, substandard, doubtful and loss.

Loan loss provisioning

A daily collections routine with LoanTabs

Step 1
Open the delinquency worklist
See every overdue loan in one list and decide who to contact first.
Step 2
Print the daily collection sheet
Give each officer their section with borrower phone numbers and amounts due.
Step 3
Record what was collected
Enter each repayment as it arrives and print the PDF receipt.
Step 4
Review PAR and aging weekly
Watch the trend. Rising 30+ and 90+ day buckets are your early warning.

Which report answers which question

Which report answers which question
Question	Report	Why it matters
Who do we chase today?	Delinquency worklist and daily collection sheet	Turns arrears into a task list
How much of the book is at risk?	Portfolio at risk (PAR)	A single risk figure for boards, funders and regulators
How old is the overdue money?	Aging report	Older arrears are harder to recover
How much should we set aside?	Provisions and loan classification	Keeps profit and the balance sheet honest
Are our officers collecting?	Collections performance	Shows who and where to coach
Are cohorts of loans behaving?	Vintage and roll-rate analysis	Shows whether new lending is better or worse than old

What LoanTabs does not do for collections

There is no automated overdue-reminder engine, call-scheduling or dialer, and the "payment due soon" and "overdue" notification options are not sent automatically. There is also no separate collections module or case-management queue. The reports tell you who is late and by how much; your team does the follow-up and records the outcome.

If you want more depth on how these measures work, our guides explain portfolio at risk, days past due and aging and how to reduce loan defaults.

Loan collections reports: common questions

Does LoanTabs have collections software?

LoanTabs includes collections reports: a delinquency worklist, a daily collection sheet, collections performance, portfolio at risk, aging and provisions. It does not include an automated reminder or dialing system.

How do I calculate portfolio at risk in LoanTabs?

The PAR report calculates it for you using thresholds set in your reporting policy, so you do not need to work it out by hand.

Can I print a list of borrowers to visit today?

Yes. The daily collection sheet is a printable PDF with a section for each officer and each borrower's phone number.

What aging buckets does LoanTabs use?

Current, 1-30, 31-60, 61-90, 91-180 and 181+ days past due.

Keep exploring

See who is overdue in seconds

Start a 30-day free trial, import a sample of loans and open the delinquency worklist.