Leasing & Factoring
Leasing & Factoring: cash and bank, accounts and accounting, e-Invoice and reporting.
Challenges
- The contract payment schedule is tracked by hand.
- Collection on an assigned invoice does not match back to its source.
- Maturity and interest are calculated by hand.
- Collateral status is invisible when the risk decision is made.
- Early settlement and late payment interest are calculated outside the contract.
Workflows
Contract and payment schedule
- The contract is opened with its amount, term and interest rate.
- The payment schedule is split into instalments and enters due-date tracking.
- An overdue instalment appears in the overdue report.
Invoice assignment and collateral
- The assigned invoice is recorded with its debtor and due date.
- When collected, it is matched back to the source invoice.
- The collateral record feeds into the risk limit calculation.
Documents
- Contract
- Payment schedule
- Assignment document
- Collateral record
Reports
- Payment schedule and collection
- Assigned invoice status
- Collateral and risk summary
- Due-date and overdue report
Metrics
- Average collection period
- Overdue rate
- Collateral coverage ratio
- Portfolio size
Compliance
- Leasing and factoring regulations
- Know-your-customer (KYC) obligation
- GİB e-Invoice / e-Archive
- KVKK
Glossary
- Payment schedule
- Account payment schedule
- Invoice assignment
- Receivable assignment record
- Theme
- Security that feeds the risk limit
- Time-value charge
- Interest calculation driven by duration
Frequently Asked Questions
Can the payment schedule be generated automatically?
Yes — the instalment plan is produced from the amount, term and interest rate.
Can I track an assigned invoice?
Yes — it is tracked by debtor and due date, and collection is matched back to the source invoice.
Can I tie collateral into the risk decision?
Yes — the collateral record feeds into the risk limit calculation.
Can I generate contract instalments by due date?
Yes, the contract amount is split into a payment schedule and each instalment is charged on its due date.
Can I track collection of the receivables I have taken over?
Yes, the assigned invoice is opened as a separate record and collection and overdue status are tracked from there.
Can I calculate early settlement from the contract itself?
Yes, the remaining instalments and late payment interest are calculated according to the contract terms.