CFMS Leasing
A specialized leasing management solution supporting the distinct requirements of Financial & Operating Leasing across the leasing lifecycle. CFMS Leasing connects financing, contracts, and assets in a unified environment, delivering greater flexibility, stronger control, and improved portfolio performance.
Organizations managing in Financial Leasing, Operating Leasing, or both models face growing complexity. Multiple products, complex contracts, approval workflows, regulatory requirements, and diverse assets demand a unified, reliable view of the entire leasing portfolio.
In Financial Leasing, management focuses on the financing relationship, applications and approvals, credit limits, contracts, disbursements, invoicing, collections, collateral, contract amendments, and regulatory requirements.
In Operating Leasing, management extends beyond the financing and contractual relationship. Contracts are linked to ordering, acquisition, delivery, insurance, use, and the entire lifecycle of the vehicle or other asset.
CFMS Leasing provides a unified environment to manage the entire leasing lifecycle, addressing the distinct requirements of each model. It links customers and contracts with assets, payments, collateral, and regulatory processes. Where Operating Leasing involves vehicles, it supports end-to-end vehicle lifecycle management, from ordering and delivery to return and remarketing or reuse.
This enables business teams to operate with greater flexibility, stronger control, and more efficient daily management, eliminating gaps between financial, contractual, and asset processes, regardless of the leasing model managed by the organization.
CFMS Leasing is built on SingularLogic's extensive expertise in designing and implementing solutions for organizations with complex leasing portfolios and rigorous operational, governance, and compliance requirements.
Financial Leasing
As a mature and proven solution, CFMS Leasing delivers a robust operational core for Financial Leasing management. It supports key processes including applications, approvals, credit limits, contracts, disbursements, invoicing, collections, collateral management, contract amendments, restructurings, and regulatory compliance.
Operating Leasing
At the same time, it addresses the specific needs of organizations with Operating Leasing activities by linking financing and contract relationships with leased assets, vehicles, or equipment, along with all related operational processes.
Each implementation is supported by experienced consultants who help tailor CFMS Leasing to the organization’s specific operational requirements.
CFMS Leasing can operate independently or be expanded with CFMS Collections, Legal Management, and Real Estate. This enables organizations to adopt a broader operating model for managing financing, claims, and related assets, leveraging the CFMS platform and SingularLogic's expertise. The solution is designed to evolve with new functionality and adapt to changing business needs.
CFMS Leasing centralizes information on individuals and legal entities, capturing their roles in the financing relationship, such as customer, supplier, guarantor, or vendor.
Each partner is linked to evaluations, applications, credit limits, contracts, collateral, and financial transactions, providing a comprehensive view of the customer relationship.
The solution manages leasing applications, monitors evaluations, creates multiple quotation versions, and configures structured approval workflows.
Automated workflows and business rules accelerate decision-making, ensure consistent credit policy application, and automate key leasing processes while maintaining full documentation and traceability.
Leasing Products & Financial Calculations
CFMS Leasing allows configuration of financial scenarios with different lease terms, payment frequencies, down payments, interest rates, grace periods, irregular installments, balloon payments, fees, expenses, and residual values.
Business teams can evaluate alternatives and configure multiple leasing products and financial terms according to Financial or Operating Leasing requirements, customer needs, and asset characteristics.
For financial leasing requirements, the solution manages master credit limits, sub-limits, leasing contracts, and contract amendments.
Organizations can monitor approvals, validity periods, available and used amounts, limit excesses, and allocation of approved limits across contracts and agreements.
CFMS Leasing links leasing applications and contracts with proforma invoices, purchase orders, suppliers, asset acquisitions, down payments, customer contributions, and disbursements.
Business teams can monitor every stage from initial quotation to asset delivery, maintaining a unified view of financials, approvals, documentation, and outstanding activities.
Each leased or fixed asset is linked to its contract, financial terms, payments, insurance policies, valuations, and full historical record.
For Operating Leasing portfolios, the asset record consolidates all vehicle information and connects it with the customer, contract, driver, and related operational processes, supporting comprehensive vehicle lifecycle management throughout the lease.
The solution supports the management of insurance policies, coverage, premiums, renewals, and insurance claims.
It also enables historical tracking of asset valuations and comprehensive collateral management, including value, validity, changes over time, and potential liquidation.
CFMS Leasing supports periodic and bulk invoicing for lease rentals, services, and additional charges, as well as management of collections, credit notes, and adjustments.
The solution also supports accounting entries, multiple charts of accounts and ledgers, as well as depreciation calculations and accounting postings.
The solution supports amendments to lease terms, rental amounts, interest rates, and other contractual or financial conditions.
It also manages restructurings, refinancing, overdue receivables, and contract terminations, while maintaining a complete audit history and documentation for every change.
For Operating Leasing organizations, CFMS Leasing extends contract management to the operational lifecycle of the vehicle.
The solution connects each vehicle with the customer, contract, driver, insurance coverage, and financial transactions, and supports monitoring of vehicle deliveries, returns, and inbound or outbound movements.
Fleet management processes include lease contract management, vehicle movements to and from garages, insurance, claims, maintenance, replacement vehicles, and the association of each movement with the relevant business documents, ensuring complete visibility throughout the vehicle lifecycle.
At the end of a lease or in the event of early termination, the solution links all contractual and financial activities to changes in the asset's status.
Business teams can track asset returns or recoveries, outstanding obligations, and required follow-up actions, while managing the asset's transition to re-leasing, sale, or other utilization, completing the asset lifecycle.
CFMS Leasing supports critical regulatory compliance processes and data exchange with the Central Credit Registry (CCR), Teiresias, Asset Declaration (Pothen Esches), e-Pothen, the Electronic Solvency Registry, and the Code of Conduct (CoC) framework.
Functionality includes data validation before submission, automated file generation and transmission, web service-based data exchange, logging of submission results and errors, and a complete audit history of all regulatory activities and submissions.
For vehicle rental and leasing activities, the solution supports the AADE Digital Customer Registry.
It enables recording of vehicle entries and exits, movement reasons, customer information, and related vehicles, linking each movement to the corresponding business document.
CFMS Leasing leverages the platform's shared capabilities for document and task management, approval workflows, notifications, and reminders.
Documents and tasks can be linked to customers, applications, contracts, assets, or specific business processes, ensuring complete documentation and traceability throughout the leasing lifecycle.
The solution provides comprehensive reporting and KPIs for monitoring contracts, credit limits, collections, overdue receivables, assets, and operational activities, enabling management to make informed decisions based on real-time information.
CFMS Leasing integrates seamlessly with banking and accounting systems, payment services, e-invoicing and myDATA, AADE platforms, vehicle information providers, and regulatory authorities.
This minimizes manual data entry and ensures data consistency and operational continuity throughout the leasing lifecycle.
It can operate as a standalone solution or be progressively extended with CFMS Collections, Legal Management, and Real Estate, enabling the organization to evolve into a broader business ecosystem.
Discover how CFMS Leasing can support your business growth through efficient management of Financial and Operating Leasing and evolve with your organization.