BEX Multiservicios — Rebuilding a Legacy Loan Platform for Field Collectors

About the client

BEX runs a lending operation with a team of field collectors working fixed routes, managing borrowers, guarantors, loans and payments in both colones and US dollars.

The challenge

• The existing Genesis system is built on ASP.NET WebForms with DevExpress grids: desktop-only, hard to maintain, and unusable in the field.
• Collectors record payments away from the office with no reliable way to prove them in real time.
• There is no direct database access, only the app's Excel exports, and those exports don't reconcile across clients, loans and payments.

Our solution

1. Migration without database access: a CSV/Excel import pipeline that validates, cross-checks and reconciles clients, loans, guarantors and payments before anything reaches the new system.
2. Security by design: Supabase Auth with row-level security on every table and two roles, Admin and Collector, each seeing only what they need.
3. Built for the route: a mobile-first PWA where collectors register payments in the field with a mandatory photo of the payment receipt. An admin approves each payment before it is final.
4. Lending logic that matches the business: dual CRC/USD with exchange rates, flat interest per period (monthly or biweekly), and route-based portfolios.

Scope (MVP)

• Clients, guarantors, collectors, loans and payments CRUD
• role-based access
• field payment capture with approval
• data migration of roughly 1,300 borrowers, ~1,000 loans, 16 collectors and 10 routes
• Phase 2: reporting and transaction ledger

Milestones

1. Architecture and scope decisions
   Done
2. data audit and reconciliation
   Current
3. MVP build
   Upcoming
4. pilot with collectors
   Upcoming
5. go-live and legacy shutdown
   Upcoming

Takeaways

• Legacy data is the real project, not the UI
• photo-proof plus approval builds trust in field payments
• RLS from day one keeps financial data safe