Finmadoz is a commercial process consulting firm based in Río Cuarto, Córdoba. We work with Argentine SMEs to build structured accounts receivable management systems — using the tools they already have.
Working alongside small and medium-sized companies, a pattern became clear: businesses that sold on credit terms had robust sales processes — and almost no collections process. The invoice went out the door and then it was left to chance, memory, and whoever happened to be less busy.
The problem wasn't willingness to collect. It was the absence of a structured system. No categories. No defined cadence. No consistent communication. No alerts. Just an informal habit that worked well enough — until it didn't.
Finmadoz was built to fill that gap: to bring process discipline to the collections side of commercial operations, without replacing the human relationships that make Argentine business work.
Three principles guide every engagement we take on.
Large companies have finance departments, credit managers, and dedicated collections software. They have the resources to build and maintain complex systems.
SMEs with 5 to 50 employees operate differently. The same person who manages sales might also handle collections. There's no dedicated credit analyst. The system needs to be simple enough to run without a specialist, and robust enough to actually work.
We start with a conversation about your current process and where the gaps are. No commitment required.