SMART Leasing
Quick solutions
Simple processes
Turn complex leasing into a convenient and manageable process — from application submission to contract signing. Make informed decisions instantly while maintaining full control at every stage.
Description of the functional capabilities of the financial leasing system
The Financial Leasing System is a fully integrated, modular, and scalable platform that covers the entire lifecycle of the leasing business — from client identification and asset evaluation, through contract conclusion and fund disbursement, to daily financial accounting, restructuring, and post-termination operations.
The system fully complies with the current legislation of Georgia and the regulatory requirements of the National Bank of Georgia, ensuring adherence to regulatory standards, financial transparency, and effective control.
Integrations and connectivity with external systems
1
Creditinfo – Generation of credit reports, access to the debtor registry, and information on collateral, seizures, and legal restrictions.
2
Civil Registry – Verification of personal data of individuals.
3
Public Registry – Verification of legal entity data, as well as reports on pledges and mortgages.
4
UCC (Unified Clearing Center) – Synchronization of fines related to the asset and the ability to process payments.
5
Service Agency of the Ministry of Internal Affairs – Verification of technical characteristics and registration data of the asset.
6
Integrations with banking systems, self-service terminals, and online banking platforms – Real-time reflection of incoming and outgoing payments in the system.
Access management AND search functions
- Definition of roles and access rights based on users and user groups
- System search with text-matching capability
- Advanced search with filtering and relationships between primary and related objects
- Quick access to frequently used and important pages
- Full audit and tracking of the history of all changes
Client management and communications
The system fully supports the entire lifecycle of client interactions:
- Client registration with customizable forms
- Management of related parties and visualization of relationship trees (automatic and manual linking)
- Monitoring of required documentation by status (created, overdue, completed)
- Automatic creation of tasks and notifications
- Dedicated module for tasks, contacts, and notes
- Configuration of system and manual notifications (upcoming payments, overdue amounts, refinancing rate changes, promotional campaigns, etc.)
- Complete history of communications via email and other channels
Asset
Management
1
Asset registration and classification
2
Storage of asset condition history and changes in their value
3
Configuration of asset types
4
Setup of monitoring schedules and automatic task creation
5
Asset insurance module (accounting for financial and operational aspects)
6
Asset valuation modules (market comparison methods, cost approach, and monitoring-based methods)
Leasing operational CYCLE
The system fully manages the leasing issuance and processing workflow:
- Financial, operational, quick, reverse, and co-financed leasing
- Configuration of leasing products and project types
- Application intake from external channels
- Automatic approval based on predefined conditions
- Generation of credit reports after client verification
- Full compliance with regulatory requirements (e.g., GEL checks, effective annual rate limits, etc.)
- Phased delivery for multi-asset leasing
- Currency exchange rate management
- Automatic propagation of refinancing rate changes across the entire active portfolio
Payment schedules AND restructuring
Creation of standard and custom payment schedules
- Grace periods (interest-only accrual)
- Consideration of seasonality, fixed payments, and fees
- Accounting for holidays and non-working days
- All types of restructuring: modification of terms, debt forgiveness, asset replacement, early repayment, debt write-off, buyout, transfer of rights, contract termination
Contracts AND Ducumentation
- Generation and upload of contracts
- Template configuration based on contract type
- Creation and use of additional types of financial documents
- Assignment of business roles (leasing manager, signatory, etc.)
- Processing of acceptance-transfer acts and financial documents
Financial accounting and bookkeeping module
The system includes a fully integrated bookkeeping module that ensures automatic, transparent, and customizable recording of all leasing transactions.
Configuration of ACCOUNTING Rules
- Ability to independently configure and manage posting rules
- Dynamic generation of postings depending on operation type, product, currency, and other parameters
- Support for different accounting of financial and operational leasing
- Automatic accounting reflection of restructuring, early repayment, termination, and other operations
- Accounting for multi-currency transactions and exchange rate differences
- Daily accruals and system financial revaluation
posting Journal
- Detailed recording of all transactions in the posting journal
- Drill-down functionality (contract → document → posting)
- Filtering by account, period, client, or product
- Full audit and change history
- Export capability
chart OF accounts AND Trial balance
- Chart of Accounts configuration
- Generation of trial balance for any period
- Segmented analytics (by product, branch, currency, etc.)
- Export of trial balance with capability for further analysis
The bookkeeping module provides a reliable financial foundation for internal control, auditing, and regulatory reporting.
Reporting and BI (Business Intelligence)
The system integrates multifunctional reporting and BI tools, enabling data-driven decision-making.
configurable reporting
1
Generation of financial and operational reports with any time granularity
2
User configuration of fields, filters, and aggregation rules
3
Analysis of portfolio structure, income, delinquencies, and risks
4
Reporting in compliance with regulatory requirements
BI Dashboard AND analytics
- Managerial dashboards based on KPIs
- Drill-down functionality to detailed transactions
- Dynamic visualization and trend analysis
- Historical data analysis and forecasting support
- Analytical views tailored to user roles
The BI capabilities turn the system into not just an operational tool, but also a platform for strategic management.
Termination and post-termination processes
Full management of the termination process
Debt adjustment and forgiveness acts
Remarketing, re-leasing, and asset write-off
Adjustment of reported debt and asset values resulting from termination
conclusion
The leasing financial system is a unified, technologically advanced, and fully regulatory-compliant platform that:
Integrates operational, financial, and accounting processes
Ensures data accuracy and transparency
Simplifies regulatory reporting
Enables high-quality managerial decision-making through BI analytics
Creates a stable foundation for business growth and effective portfolio management
The system is not only a tool for managing leasing but also a technological foundation for the organization’s financial strategy, control, and development.
