Challenge
TandGo lends to small businesses and merchants that, in many cases, have no credit bureau history. That means evaluating the business in person: visiting the shop, validating the paperwork and understanding its cash flow before approving anything. The challenge was to keep that process from becoming slow or depending on loose documents.
Collections, on top of that, happen every day in the field. Each collector has a list of stops, receives cash payments and handles amounts that change with each day of delay. Without a tool, the day's route was planned by hand, payments were recorded late and it was hard to know which client was at risk before falling behind.
The website also had a concrete job to do: capture applications for a financial product, where trust is earned through transparency. Visitors needed to see amounts, terms and installments clearly before sharing their details, and the company needed every application to reach the team that would handle it in an orderly way.
Strategy & Solution
We split the work into two fronts that share the same data. On the public side, a conversion-focused website: messages written for merchants, a simulator that shows installments and interest before the form, and a three-step application flow with no credit bureau check.
On the internal side, we built a custom platform. A CRM for the lending pipeline, identity verification with biometrics and a panel for the risk analyst, who reviews the portfolio, the client file and the payment history from one place. Every application moves through clear stages and records who made each change.
For collections, we built a collector app with the day's route on a map, stops in order, field payment recording and a delinquency traffic light that flags clients who need follow-up in time. Online payments are collected by card, OXXO or SPEI through Stripe, and every payment is reconciled in the loan history.
One business rule is built into the system: a client can only have one active loan at a time. The result is a process that runs from application to collection on a single platform, without depending on spreadsheets.
