Software for Leasing Companies
Saitami's software for leasing companies covers the full contract lifecycle for finance and operating leases — from scoring and approval, through contract generation and amortization, to GPS tracking, restructuring and monthly reporting to the Bulgarian National Bank (BNB).
What the leasing software includes
Finance and operating lease contracts
Contract builder for finance lease, operating lease and sale-and-leaseback with automatic template selection by asset type. Addenda and early terminations are versioned in one dossier, with qualified e-signature and a ten-year archive per Bulgarian law.
Amortization and complex rate structures
Annuity, linear, balloon and step-up schedules with fixed, floating (EURIBOR) or hybrid rates, splitting principal, interest, fee and insurance. The engine recalculates IRR, APR and total cost on every early settlement or restructuring.
Risk assessment and scoring model
Built-in scoring engine with thresholds by sector, asset type and tenor — combines financial ratios, arrears history and external signals into one approval decision. Direct hook into the BNB Central Credit Register (CCR), with a hashed receipt of every query for audit.
GPS tracking and asset management
Integration with Frotcom, Eliso and Wialon for live position on leased vehicles and machinery, with geofencing and EU-exit alerts. Real-estate leases pull cadastral data from KAIS, equipment carries an inventory number and photo archive.
Early settlement, restructuring, fees
Automatic recalculation on early settlement with contractual prepayment fees, restructuring with grace period, tenor extension or capitalization of overdue interest. A fee catalogue applies automatically to dossier and invoice.
BNB reporting and counterparty management
Ready templates for BNB reports — portfolio, IFRS 9 impairments, concentration risk and exposures to connected clients. Counterparty register with UBO, KYC and AML checks and a full audit trail.
Who it is for
Auto leasing
Lessors of new and used cars and LCVs, focused on fast approval, residual value and GPS control. The system tracks motor insurance, alerts on expiry and auto-renews via an integrated broker.
Equipment and industrial leasing
Leasing of machinery, CNC centres, agricultural and medical equipment. Supports installation grace periods, sale-and-leaseback and IFRS 16 accounting with automatic split of principal and finance cost.
Real-estate and building leases
Building and finance leases of commercial and industrial property on long tenors. Cadastre integration, external valuer cycles, HICP-indexed instalments and automatic regulatory thresholds for LTV above 70%.
How we build the leasing software
1. PostgreSQL and .NET / Node.js core
PostgreSQL with partitioning by contract year for fast reporting on portfolios of 10,000+ active leases. Backend on .NET 8 or Node.js (NestJS), with a full audit log on every sensitive field.
2. Scoring engine and CCR integration
Configurable scoring model — the risk analyst tunes coefficients from an admin panel. Integration with the BNB Central Credit Register plus the Commercial Register and NRA for financial-data validation.
3. Document management with qualified e-signatures
Lease contracts, schedules, addenda and handover protocols generated via a template engine merging fields from the dossier. Qualified e-signature through Borica B-Trust, Evrotrust or StampIT in the browser. See our API integrations.
4. Accounting, ERP and bank integration
Webhooks to accounting software (Microinvest, Ajur) and a bespoke ERP system for automatic booking of interest, principal and fees. Bank-statement integration with UBB, UniCredit and DSK recognizes inbound instalments by IBAN. See software development.
Why Saitami
sharper risk-based pricing
better risk-premium allocation matched to the customer's real profile
portfolio defaults
fewer bad loans via early-warning alerts and automated restructuring workflow
starting investment
leasing company up to 1,500 active contracts with scoring, schedule and BNB reporting, no monthly fees
Related: CRM for insurance brokers for partner networks around motor insurance and software for auto service shops for authorized service partners of leased cars.
Frequently Asked Questions
Does it support finance and operating leases together?
Yes — the leasing software handles finance lease, operating lease and sale-and-leaseback inside one portfolio, with appropriate accounting under IFRS 16 and IAS 17. Contract templates and amortization schedules are picked automatically by deal type, and BNB reports split exposures by regulatory definitions. One customer can hold several contracts of different types in a single dossier.
Is it connected to the Bulgarian Central Credit Register?
Yes. The system queries the BNB Central Credit Register on every new application, with an electronically signed request on behalf of the lessor. The response is stored in the dossier with timestamp and hash for audit, and the scoring engine uses arrears history as an input. Connected-party checks via the Commercial Register and NRA are also supported.
Can it notify customers on arrears?
Yes — automated dunning sends SMS, email and Viber notifications on day 3, 7, 15 and 30 of arrears, escalating to a risk analyst and legal on serious cases. Templates comply with Bulgarian consumer-credit law, and every message is stored with timestamp and delivery status for future court use, with no manual logging.
How much does software for a leasing company cost?
A starter project for a leasing company up to 1,500 active contracts, with core modules — contracts, amortization, scoring, CCR query and BNB reporting — starts at €7,200 one-off. Larger rollouts with fleet GPS, restructuring workflow, real-estate module with cadastre and multi-entity setup land between €18,000 and €42,000. No monthly license fees and full source-code ownership on final payment.
Ready for a sharper leasing portfolio?
Share your active-contract volume and integrations — we will scope a concrete software for leasing companies rollout with scoring, CCR and BNB reporting.
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