Documentation Index
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CashMan H.A. supports three credit product types stored in the productos table. Products are managed by administrators and referenced when creating credit applications. Each product defines the permitted client types, interest rate range, maximum financing amount, and maximum repayment term. Only products with an estadoproducto value of Activo are available for new credit applications.
Credit Product Overview
| Product | Client Types | Interest Rate (monthly) | Maximum Amount | Maximum Term |
|---|
Personal Loans (Personales) | Asalariado, Independiente, Jubilado | 3% – 20% | 10,000(Asalariado/Jubilado)⋅15,000 (Independiente) | 120 months (10 years) |
Mortgage Loans (Hipotecarios) | Asalariado, Independiente | 1.05% – 12% | 30,000–3,000,000 | 240 months (20 years) |
Vehicle Loans (Vehiculos) | Asalariado, Independiente | 10% – 60% | 100,000(Asalariado)⋅200,000 (Independiente) | 90 months |
All credit applications are subject to an income study. Gerencia must review first, then Presidencia grants final approval before the client gains full system access and a contract is generated.
Client Types
Every credit application captures the employment category of the applicant. The three recognized types and their eligibility are:
| Type | Spanish Label | Eligible Products |
|---|
| Salaried employee | Asalariado | Personal, Mortgage, Vehicle |
| Self-employed / independent worker | Independiente | Personal, Mortgage, Vehicle |
| Retired | Jubilado | Personal only |
Personal Loans (Personales)
Personal loans are the most broadly accessible product, available to all three client types.
- Monthly interest rate: 3% to 20% on the financed amount
- Maximum financing:
Asalariado and Jubilado: up to $10,000.00 USDIndependiente: up to $15,000.00 USD
- Maximum term: 120 months (10 years)
Personal loan contracts are generated as PDFs by the FPDF library and include the client’s digital signature image from vista/images/fotofirmas/. Personal references (see Personal References) are required as part of the application.
Mortgage Loans (Hipotecarios)
Mortgage loans carry the lowest interest rates and the longest available terms, reflecting their secured nature.
- Monthly interest rate: 1.05% to 12% on the financed amount
- Maximum financing: 30,000.00USDminimumupto∗∗3,000,000.00 USD**
- Maximum term: 240 months (20 years)
- Financing cap: Up to 90% of the appraised property value
Property and land details are captured directly within the credit application fields — there is no separate supplementary table for mortgage-specific data (unlike vehicle loans, which have datosvehiculoscreditos).
Because mortgage amounts can reach $3,000,000 and are repaid over up to 20 years with a monthly rate as low as 1.05%, the saldocredito field uses decimal(15,6) precision to avoid rounding drift over hundreds of payment cycles. See Loan Calculations for details on the precision fix.
Vehicle Loans (Vehiculos)
Vehicle loans carry the highest interest rate range and require additional vehicle data to be captured at application time.
- Monthly interest rate: 10% to 60% on the financed amount
- Maximum financing:
Asalariado: up to $100,000.00 USDIndependiente: up to $200,000.00 USD
- Maximum term: 90 months
- GPS service fee: A monthly GPS tracking fee is added to each installment for the device installed on the financed vehicle
Vehicle Data Table: datosvehiculoscreditos
Vehicle loan applications store the following supplementary fields in the datosvehiculoscreditos table:
| Column | Description |
|---|
numeroplaca | License plate number |
clasevehiculo | Vehicle class / type |
aniofabricacion | Year of manufacture |
marcavehiculo | Make / brand |
modelovehiculo | Model |
numeromotor | Engine number |
numerochasisovin | Chassis / VIN number |
colorvehiculo | Vehicle color |
productos Table Structure
All three product types are rows in the productos table. Administrators manage product records through the platform (create, modify, view).
| Column | Type | Description |
|---|
idproducto | INT (PK) | Unique product identifier |
codigoproducto | VARCHAR | Unique product code |
nombreproducto | VARCHAR | Display name (e.g., Personales, Hipotecarios, Vehiculos) |
descripcionproducto | TEXT | Full product description |
requisitosproducto | TEXT | Requirements text shown to applicants |
estadoproducto | ENUM | Lifecycle state: Activo, Inactivo, or Expirado |
Product Lifecycle
Activo ──► Inactivo ──► Expirado
Activo — available for new credit applicationsInactivo — temporarily unavailable; existing credits are unaffectedExpirado — permanently retired; cannot be reactivated
Only Activo products appear in the new credit application selector. Changing a product to Inactivo or Expirado while clients have active credits under that product does not affect those existing credit records — it only prevents new applications from referencing the product.
Personal References
All credit applications require personal references stored in the referenciaspersonales table. Each reference captures:
| Column | Description |
|---|
nombresreferencia | Reference’s first name(s) |
apellidosreferencia | Reference’s last name(s) |
telefonoreferencia | Contact phone number |
empresareferencia | Employer or company of reference |
cargoreferencia | Job title / position of reference |
relacionreferencia | Relationship to the applicant |
PDF Contract Generation
Once a credit is approved and activated, FPDF generates a signed contract PDF specific to the product type (personal, mortgage, or vehicle). Contracts are stored in vista/copiacontratosclientes/. The client’s digital signature is embedded from the image file uploaded during registration at vista/images/fotofirmas/. Monetary amounts within the contract text are converted to Spanish words using the luecano/numero-a-letras Composer package (e.g., $5,000.00 → "Cinco Mil Dólares con 00/100").