Credits Module: Loan Lifecycle Management in Corpen

The Credits module manages every stage of a cooperative loan — from the parametric setup of credit product lines through origination, document attachment, payment recording, and final notification. Credits (cre_creditos) are the central entity referenced by the Portfolio module’s agreements and payment vouchers, and by the Collections and Treasury modules when recording disbursements and receipts. All credit routes are secured with the auth middleware. Credits themselves are registered directly under the top-level creditos resource (no prefix), while their sub-resources (credit lines, guarantees, documents, etc.) are managed via their own controllers within the App\Http\Controllers\Creditos namespace.

Sub-module overview

Credit Lines

Define the available loan products with terms, rates, age limits, and collateral type. Stored in cre_lineas_creditos.

Credits

Individual loan records linked to a member (MaeTerceros), a credit line, and a lifecycle state. Stored in cre_creditos.

States & Stages

Credits progress through cre_etapas and cre_estados. Stage 16 is the default active filter in the index view.

Guarantees

Collateral records attached to a credit line. Managed by GarantiaController and stored in cre_garantias.

Documents

Generic document attachments (DocumentoController) and specialised legal instruments: escrituras (EscrituraController) and pagarés (PagareController).

Notifications & Observations

NotificacionController triggers alerts on credit events. ObservacionController records operator notes traceable via User::observacionesRegistradas().

Credit lines (`cre_lineas_creditos`)

Credit lines are the product catalogue — they define the parameters that govern every loan issued under that product. A line must exist before any credit can be originated.

`cre_lineas_creditos` schema

Column	Type	Notes
`id`	bigint (PK)	Auto-increment
`nombre`	string	Display name of the credit line
`cuenta`	integer	Accounting account code
`tasa_interes`	decimal (8,2)	Annual interest rate (percentage)
`plazo_minimo`	integer	Minimum term in months
`plazo_maximo`	integer	Maximum term in months
`edad_minima`	integer	Minimum member age
`edad_maxima`	integer	Maximum member age
`monto_maximo`	integer	Maximum disbursement amount
`monto_minimo`	integer	Minimum disbursement amount
`seguro_todo_riesgo`	integer	All-risk insurance rate or code
`fecha_apertura`	date	Date the product was opened
`fecha_cierre`	date (nullable)	Date the product was closed (null = still active)
`observacion`	text (nullable)	Additional product notes
`cre_garantias_id`	FK → `cre_garantias`	Required collateral type
`cre_tipos_creditos_id`	FK → `cre_tipos_creditos`	Credit product category

The LineaCreditoController loads garantia and tipoCredito via Eager Loading on every read operation. Deleting a credit line that has existing credits associated will be blocked:

if ($lineas_credito->creditos()->count() > 0) {
    return redirect()->route('lineas_credito.index')
        ->with('error', 'No se puede eliminar la línea porque está siendo utilizada en créditos existentes.');
}

Credits (`cre_creditos`)

The cre_creditos table stores each individual loan record.

`cre_creditos` schema

Column	Type	Notes
`id`	bigint (PK)	Auto-increment
`pr`	integer (unique)	Loan identifier / PR number
`pagare`	integer (unique)	Promissory-note number
`valor`	decimal (15,2)	Disbursed amount
`cuotas`	integer	Number of instalments
`fecha_desembolso`	date	Disbursement date
`cre_estados_id`	FK → `cre_estados`	Current lifecycle state
`cre_lineas_creditos_id`	FK → `cre_lineas_creditos`	Product line
`mae_terceros_cod_ter`	bigint	FK → `MaeTerceros.cod_ter` (member)

The index view filters to state ID 16 by default (where('cre_estados_id', 16)) and supports a nombre query parameter that searches across the related MaeTerceros.nom_ter field:

$query->whereHas('tercero', function ($subQuery) use ($nombre) {
    $subQuery->where('nom_ter', 'like', "%{$nombre}%");
});

Results are paginated at 10 per page and include the tercero, lineaCredito.tipoCredito, and estado.etapa relationships via Eager Loading. The show view loads the full detail chain:

$credito->load([
    'estado',
    'lineaCredito',
    'tercero',
    'pagareRelacionado',
    'escritura',
    'notificaciones',
]);

Originating a new credit

Ensure a credit line exists

Verify that the desired product line exists in cre_lineas_creditos with the correct rate, term, and guarantee type. The LineaCreditoController manages these records; its routes follow the lineas_credito resource convention but are not yet registered in routes/web.php. A credit line requires at least one Garantia record and one TipoCredito record to be selectable in the credit creation form.

Open the credit creation form

Go to GET /creditos/create. The form loads three datasets:

$estados — all records from cre_estados
$lineasCredito — all records from cre_lineas_creditos
$terceros — all records from MaeTerceros

Fill in the credit details

Complete the required fields validated by StoreCreditoRequest:

pr — unique PR loan number
pagare — unique promissory-note number
valor — disbursed amount
cuotas — number of instalments
fecha_desembolso — disbursement date
cre_estados_id — initial state
cre_lineas_creditos_id — product line
mae_terceros_cod_ter — member’s cod_ter

Attach guarantees and documents

After the credit record is created, attach the required collateral via GarantiaController, upload legal documents via DocumentoController, and register the promissory note via PagareController or the public deed via EscrituraController. These sub-resources all reference cre_creditos_id.

Record disbursement in Treasury

Once the credit is approved, register the outgoing disbursement payment in the Treasury module (see Treasury). The Treasury tes_pagos table links back to cre_creditos_id.

Monitor notifications and observations

Payment events and state transitions trigger notifications managed by NotificacionController. Operator notes are stored via ObservacionController. Both are accessible from the credit detail view.

The User model exposes observacionesRegistradas(): HasMany — all ObservacionController-managed notes created by a given user. Use $user->observacionesRegistradas to audit which agents have documented activity on active credits.

Controller inventory

Controller	Route (convention)	Description
`CreditoController`	`creditos` resource	Credit CRUD
`LineaCreditoController`	`lineas_credito` resource	Credit line CRUD
`TipoCreditoController`	paramétrico	Credit type master
`EstadoController`	paramétrico	Lifecycle states
`EtapaController`	paramétrico	Lifecycle stages
`GarantiaController`	`garantias` resource	Collateral records
`DocumentoController`	`documentos` resource	Generic document attachments
`EscrituraController`	`escrituras` resource	Public deeds
`PagareController`	`pagares` resource	Promissory notes
`NotificacionController`	`notificaciones` resource	Credit event notifications
`ObservacionController`	`observaciones` resource	Operator notes

Relationships with other modules

Portfolio — CarComprobantePago and Acuerdo both reference cre_creditos_id.
Collections — rec_pagos stores instalment payments against cre_creditos_id.
Treasury — tes_pagos records disbursements against cre_creditos_id.

Core Modules

Finance & Accounting

Operations

CRM & Engagement

Credits Module: Loan Lifecycle Management in Corpen

Sub-module overview

Credit Lines

Credits

States & Stages

Guarantees

Documents

Notifications & Observations

Credit lines (`cre_lineas_creditos`)

`cre_lineas_creditos` schema

Credits (`cre_creditos`)

`cre_creditos` schema

Originating a new credit

Controller inventory

Relationships with other modules

Build docs developers (and LLMs) love

Core Modules

Finance & Accounting

Operations

CRM & Engagement

Documentation Index

​Sub-module overview

Credit Lines

Credits

States & Stages

Guarantees

Documents

Notifications & Observations

​Credit lines (cre_lineas_creditos)

​cre_lineas_creditos schema

​Credits (cre_creditos)

​cre_creditos schema

​Originating a new credit

​Controller inventory

​Relationships with other modules

Build docs developers (and LLMs) love

Sub-module overview

Credit lines (`cre_lineas_creditos`)

`cre_lineas_creditos` schema

Credits (`cre_creditos`)

`cre_creditos` schema

Originating a new credit

Controller inventory

Relationships with other modules