Pruff Financing | Factoring, confirming, leasing and loans
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Pruff Financing · For lenders

The operating core of your lending business.
End to end.

Originate, evaluate, formalize, disburse, collect and reconcile on a single architecture. Seven connected stages and one file per operation — without building technology from scratch.

30 min
app.pruff.com · operaciones Live
OP-2847 · Factoring
Constructora del Sur SpA
4 invoices assigned · debtor: Retail Andes S.A.
MM$ 24,3
Disbursed
Orig.
Onb.
Riesgo
Fondos
Cobranza
Report.
Concil.
Engine score
78 / 100
Available limit
MM$ 96
Debtor exposure: 34% of limit
Verified records
Información tributaria Deuda fiscal Burós de crédito Facturación electrónica Poder Judicial
Fund A quoted this operation
1.42% monthly · funds 100%
3 min ago
Illustrative data
The cycle

The full cycle of your financial product. Seven stages, one file.

Stage 01 · Origination

A CRM built for credit, not a generic one

Pruff includes your sales team's CRM: leads, companies, contacts, tasks and a pipeline per product. And because it lives in the same system where the credit is later operated, every opportunity arrives with the consolidated report on the client and its debtor already assembled.

Pipeline per product Leads and rep assignment Tasks and follow-ups Quotes Automatic consolidated report Tax · Treasury · Bureaus · E-invoicing
app.pruff.com · CRM Live
Nuevo
18
MM$ 640
Contactado
11
MM$ 410
Cotizado
7
MM$ 295
Ganado
4
MM$ 168
Mis oportunidades · M. Rojas
Constructora del Sur SpA
Factoring · llamada agendada mañana 10:00
MM$ 24
Comercial Norte Ltda.
Línea de crédito · cotización enviada hace 2 días
MM$ 120
Transportes Aliaga
Leasing · esperando aceptación del cliente
MM$ 65
Informe consolidado listo al crear el lead
Tributaria, fiscal, burós y facturación se consultan solas · sin pedir documentos
Illustrative data
Stage 02 · Onboarding and contracts

Contracts and digital signatures inside the flow

The master agreement, its annexes and mandates are generated from the operation and signed with advanced electronic signature. Pruff keeps the repository of active contracts, their expiry dates and the signature log — while validating identity, powers of attorney and compliance lists.

Contract generation Advanced e-signature Annexes and mandates Repository and expiry tracking Identity and authority validation PEP and sanctions lists
app.pruff.com · contratos y firmas Live
Constructora del Sur SpA · documentos
Contrato marco de factoring
generado desde la operación · v3
✓ Firmado
Mandato de cesión electrónica
firma electrónica avanzada
✓ Firmado
Anexo de cupo · MM$ 120
esperando firma del representante
1 de 2 firmas
Poderes y facultades
vigentes hasta 03/2027
✓ Verificado
Firmantes del anexo
M. Rojas · financiera
firmó hace 2 horas
J. Sepúlveda · cliente
enlace enviado por correo y WhatsApp
Pendiente
Repositorio de contratos vigentes
vencimientos, versiones y bitácora de quién firmó qué
Illustrative data
Stage 03 · Risk assessment

Your credit policy, automated and auditable

You configure your rules from the panel — scoring, exposure limits, alerts, compliance checks — and the engine applies them 24/7 across the whole portfolio. Every trigger keeps its rationale.

No-code rules Explainable score per variable Exposure limits Backtest against your history
app.pruff.com · motor de riesgo Live
Reglas activas · política 2026-Q3
Deuda fiscal vigente
rechaza la operación
Rechazo
Mora interna > 30 días
deriva a revisión manual
Manual
Concentración por deudor
máximo 35% del cupo
Límite
Antigüedad del cliente < 12 meses
baja el cupo en 40%
Ajuste
Result on this operation
78 / 100 Aprueba automático
Comportamiento de pago del deudor+22
Antigüedad y volumen facturado+14
Concentración en un solo deudor−9
Illustrative data
Stage 04 · Funds

Quote with several funds from the same operation

You publish an operation or a full schedule and the connected funds quote on the information already loaded. You compare terms, allocate the funding, and from there the fund follows the portfolio in real time — no spreadsheets, no email chains.

Operation schedules Multi-fund quoting Terms comparison Funding allocation Portfolio assignment or purchase Information shared in real time
app.pruff.com · fondos Live
OP-2847 · publicada a 3 fondos
Fondo A · deuda privada
1,42% mensual · financia el 100%
Mejor condición
Fondo B · deuda privada
1,51% mensual · financia el 80%
Cotizó
Fondo C · multiactivo
sin cupo disponible para el deudor
Declinó
Nómina de julio · MM$ 640
38 operaciones publicadas
cotización promedio 1,44% mensual
31 asignadas
Tiempo hasta la primera cotización
promedio del mes
18 min
El fondo cotiza sobre la misma información
riesgo, antecedentes y exposición ya cargados en la operación
Illustrative data
Stage 05 · Collections

Configure the flow and collections run themselves

You define the flow once — what goes out, on which channel, how many days before or after the due date and when it escalates — and Pruff runs it operation by operation. Different flows per product, arrears bracket or client type, with nothing to ask from development.

Configurable flows Automated reminders Automatic escalation Debtor portal
app.pruff.com · cobranza Live
Cartera por tramo · MM$ 1.240
Al día MM$ 1.017
1 a 15 días MM$ 136
16 a 30 días MM$ 62
Más de 30 días MM$ 25
Flujo · factoring 30-60 días Activo
D −3 Aviso de vencimiento próximo Correo
D +1 Recordatorio de pago Correo
D +7 Segundo aviso con link de pago WhatsApp
D +20 Escala a cobranza directa Ejecutivo
Gestiones automáticas de hoy
Recordatorios enviados
correo y WhatsApp, 3 días antes del vencimiento
184
Pagos recibidos por el portal
conciliados contra su operación
MM$ 43
Escalamientos a cobranza directa
sobre 20 días de mora
6
Illustrative data
Stage 06 · Reporting

Reports come out of the operation, not a spreadsheet

Origination volume, portfolio, arrears, profitability per product and exposure per debtor are built from the information already in the flow. Your team builds its views and shares them with the committee, auditors and the funds financing the portfolio — with nothing consolidated by hand again.

Portfolio and origination volume Arrears by bracket Profitability per product Exposure per debtor Export to Excel and ERP Automatic delivery to funds
app.pruff.com · reportería Live
Colocación del mes
MM$ 1.840
Cartera vigente
MM$ 1.240
Vistas del equipo
Rentabilidad por producto
factoring, líneas, cuotas y leasing
1,38% mens.
Mora por tramo
al día, 1-15, 16-30 y +30 días
2,0% > 30d
Exposición por deudor
top 10 deudores y su concentración
34% máx.
Envíos automáticos
Comité de crédito
semanal · lunes 9:00
Programado
Fondo A · cartera y exposición
diario · 8:00
Enviado ✓
Sin planillas intermedias
los reportes se construyen con la información que ya está en la operación
Illustrative data
Stage 07 · Bank reconciliation

The bank statement reconciles itself

Every bank movement is matched automatically against the operation that originated it: disbursements, credits, partial payments and fees. What doesn't match is flagged for review, not buried in a spreadsheet.

Automated bank statement Matched against the operation Open items Export to your ERP
app.pruff.com · conciliación Live
Cartola del día · Banco de Chile
Abono · Retail Andes S.A.
cruzado con OP-2847
MM$ 24,3 ✓
Abono · Comercial Norte Ltda.
cruzado con OP-2811
MM$ 8,7 ✓
Giro · Constructora del Sur SpA
cruzado con OP-2847
− MM$ 22,1 ✓
Comisión bancaria
asignada a gastos de la operación
− $ 24.900 ✓
2 partidas por conciliar
abono parcial sin referencia · marcado para revisión
MM$ 1,4
Cuadrado solo
98,4%
Cierre del mes
1 día
Illustrative data
Products

The products you can run on Financing

Factoring
Invoice advance with electronic assignment and tax-document validation.
Confirming
Early supplier payment, with the risk taken on the buyer.
Credit lines
Revolving, secured or unsecured, for working capital.
Installment loans
Fixed-term amortizing, with payment schedule and linked collections.
Leasing
Vehicles, machinery and industrial equipment, with a purchase option.

Each product is configured from the panel: terms, rates, collateral, risk rules and collection schedule. Without going through the development queue.

Connection with funds

Your funders connected to the operation, in real time.

The hardest part of growing isn't always origination: it's getting capital there on time. On Pruff, the funds financing your portfolio are connected to the same operation you manage. No spreadsheets to send, no waiting for next month's review.

They quote in real time

You publish the operation or schedule and the fund responds with its terms on the information already loaded — no reprocessing, no re-requesting documents.

They receive the information automatically

Portfolio, payments, arrears and exposure update themselves on the fund's side. Your team stops assembling a report for each funder.

More capital, less friction

With the same information in view, funding decisions take less time and you can work with more than one capital source without multiplying admin work.

Tell us what you need to originate.

We'll show you how to launch it on Pruff in weeks, not quarters — and if it doesn't fit, we'll tell you that too.

30 min
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