Finance · Delinquency
A map where you see at a glance which units are current and which are not, late fees that apply themselves the day after the deadline, and restrictions that make collections enforce themselves without you calling anyone.
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The problem
Today
With Koti
Today
Collections are a list of awkward phone calls the manager keeps postponing until it has been three months.
With Koti
The late fee applies itself the day after the deadline, so the rule never depends on somebody picking up the phone.
Today
Nobody knows clearly who owes what, or since when, until the list gets built by hand for the assembly.
With Koti
A per-unit map with five aging states: no debt, due soon, 1-30, 31-60 and over 60 days overdue.
Today
The unit six months behind keeps booking the party room and waving visitors in as if nothing happened.
With Koti
If you switch the restriction on, a late unit cannot book amenities or generate visitor QR codes: the rule enforces itself.
Admin
First the map: who owes, how much and for how long. Then the consequence, which you no longer have to apply yourself.
01Map
02Collect
Map
Collect
Resident
The balance and the deadline live in their app, so the awkward conversation stops being the collection channel.
Their balance
In detail
You configure the deadline and the late fee — a flat amount or a percentage of the fee — and the system applies it automatically the day after the due date. If you want, you add a grace period in days, a cap on the percentage, and a minimum balance so a few cents of rounding never trigger a charge. The rule is the one the assembly approved; what changes is that it no longer depends on somebody remembering to apply it.
If you would rather review before charging, you turn on “require approval” and late fees arrive as proposals: you see each unit’s balance, days overdue and calculated amount, edit whatever needs editing, reject specific cases and approve the rest. Automatic does not have to mean blind.
Every unit in the community as a colour grid: at a glance you see which are current and which are not, without reading a single table row. If you prefer the table, it is one click away.
Five states, not two: no debt, due soon, 1-30 days overdue, 31-60, and over 60. A week late and six months late are not the same problem and should not look the same.
Once you enable it, a late unit loses the ability to book amenities and to generate visitor QR codes, with a grace period in days that you set, and with each restriction configured separately. That is the consequence that makes collections enforce themselves: nobody has to deliver bad news, and the incentive to catch up is immediate.
Before and after due dates, in email and app. Reminding stops being the manager’s job — which is precisely the part of collections that gets postponed most.
The full delinquency list exports with one button, as PDF, CSV or Excel, with the total overdue amount kept separate from balances not yet due and an aging summary — how many units and how much money sit in each bucket. It is the document you take to the assembly when you have to explain why the budget fell short.
When late fees have to be applied or waived across many units at once, batch operations work the same way as with payments: select all, deselect the exceptions, and run it in a single pass.
Built for Mexico
In a condominium, the person collecting lives in the same place as the person who owes. That is why collections work better as a rule of the system than as a conversation between neighbours.
A flat amount or a percentage of the fee, with the deadline you agreed on. The system applies your rule, not one of ours.
If the community approves it, amenities and QR codes stay blocked while there is a balance. The platform applies the consequence, not the manager in person.
The delinquency export with balance aging is the backup you need when the topic reaches the agenda.
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