Financial Leasing Module - Charisma ERP Software Solutions
In a changing market, the financial services companies must deal with all legal and financial changes, but more to reposition changes and increasingly aggressive attacks from the competitors. Financial Leasing software module brings flexibility and agility to the decisional process, supporting the improvement of the provided services and increasing customer satisfaction and loyalty.
Financial Leasing software module is a product specially designed to increase the efficiency of the contract management and the financial leasing operations tracking. The solution covers the entire internal flow of the company, from preparing the contracts with potential customers to concluding the signed contract, being compliant with any law or financing package, any reporting type of customer debts or IFRS regulations, any language or business flow. This module is perfectly integrated with Charisma ERP.
Clients who use the Financial Leasing Software from Charisma ERP
Financial and operational benefits
Reduces the corporation risk and operational costs
By centralizing heterogeneous information thanks to recording into a centralized base the redundant and manual information entry required to the contract management is eliminated. The solution increases the efficiency and optimizes the operational parts thanks to the remarkable flexibility that perfectly matches the business needs of any financial services and leasing company.
Increases the sales
Thanks to reducing the time spent on contract management, the number of signed contract increases, thus enabling multiple offers to be customized according to customers' needs but also to quickly internationalize the offers and financial contract agreements.
Ensures customers' loyalty
The module improves the relationship with the customers through flexible credit programs and according to the market features and internal strategy for positioning the company.
Charisma is a recognized market leader for the segment of business software solutions dedicated to financial services (leasing software). You can benefit from this expertise to relaunch your activity to a higher level.
Unique, centralized database;
Powerful security system with restriction possibilities up to the level of each field in the application;
Multi-currency application, developing and maintaining productive relationships with the internal and external environment by simultaneously tracking data in many currencies with positive effects on reports;
High degree of extensibility, configurability and localization, covering the entire functionality of any type of business, regardless the company's nationality;
User-friendly and consistent Web or customer application interfaces for any role of the business process – Sales Representative (Front-Office), Risk Manager, Leasing Manager or Chief Accountant.
Full and quick traceability by end-to-end document flow, while tracking the links between all the stages and documents in the business process, by efficiently tracking the occurred issues and generating real-time views;
Complete management of the leasing transactions through offers, files and approvals, contracts, deliveries and financed assets collection, changes during the validity of the contract, re-sales;
Customer portfolio and financed assets management, regardless their nature (vehicles, equipment, real estates, software) by efficiently capturing and reporting specific information and properties for each asset or asset category;
Use of financing products for defining and controlling the local financing conditions and at dealer level by setting interests, effective periods, currencies, defining and planning the reimbursement schedule, third-party taxes and subsides, asset categories or conditioned partner categories;
Management of partners and their role in the business process (providers, dealers, brokers, fidejussors, various guarantors and co-debtors), as well as the management of promotions defined by partner;
Various types of standard payment schedules and configurable payment schedules based on formulas that can be directly accessed from the user window: various calculation methods are accepted, combinations between "equal installments", total "grace", capital or interest, "equal" or "seasonal capital", etc. can include insurance split during the validity of the contract, various financed or not financed services and fees;
Fixed and/or variable interest based on the reference interest, regardless the updating periodicity;
Various monthly or daily interest calculation methods on the payment schedule with annual reference of 365 or 360 days, as well as actual management of the internal payment schedule with help of the actual interest;
Multi-currency options at portfolio level and multi-asset or offer and contracting level, regardless the category, the asset origin or VAT type;
Monitoring the change history through Addendums to the leasing contracts for: changing the financial parameters, rescheduling the installments or residual values, advance payments, assignments, terminations, total losses;
Management of security documents related to the leasing contracts, as well as their changes across time by keeping the history;
Structure and multi-role approvals of the file and/or financing contract;
Blanket contracts for the important customers with large orders and characterized by similar financing conditions, run through multiple leasing contracts;
Tracking all the expenses and revenues at contract level, with the possibility to bill the customer. Additionally includes the process of allocating various payment documents and/or service purchase and expense invoices at contract level, keeping the source-target link;
"Batch - invoicing" via a complex and easy-to-use interface, especially developed for the invoicing process, that includes advance payments, fees, taxes, various expenses, installments, residual values, penalties, exchange rate differences and insurance;
Automatic calculation of penalties and/or exchange rate differences for overdue payments, with the possibility of automatic or manual invoicing, separate or included on the monthly invoices;
"Black List" set-up – tracking all third parties considered "bad payers" (individuals or legal persons); includes the possibility to import data from an external database, such as the Credit Bureau;
File archiving interface;
- The automation of the document flow generation during the financing project with only one click in the leasing contract, thus benefiting from the integration with Charisma ERP 2015 suite: purchase invoice - advance or final invoice, internal or external invoice, assets insurance, CASCO, MTPL or financial risk, proforma sales invoice for advance payments, fees or various revenues that are to be invoiced to the customer, security documents etc.
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