The new product starts as another calculator.
Its payment style and grace period need their own model.
Finance operations
Lending contracts that keep up with your customers
Products, contracts and schedules live in Beezr, and the schedule recalculates itself when a contract changes. A top-up, a late penalty or an early settlement takes minutes, not a night with the calculator.
At a financial leasing company, amendments are recalculated within minutes.
- Product terms
- Application approval
- Schedule calculation
- Contract changes
- Penalty ledger
- Early settlement
Lending breaks when the contract changes
We find precise products in offline calculators. A contract change means doing the arithmetic again.
The customer asks for more finance.
Someone recalculates the remaining schedule while the contract waits.
The auditor needs the previous schedule.
Versions and exceptions must be brought back together.
The calculation belongs inside the contract's workflow.
Follow one contract, from product setup to early settlement
We follow your leasing contract through amendment and closure.
The product is configured.
You set the payment style. Grace periods belong to the product.
Product fields supply the custom function step.
Smart Views configuration, grouping records by team. The application reaches its approver.
The application reaches its reviewers. Their decision starts the contract.
An approval step routes to configured reviewers.
The workflow designer's configurable approval step. The instalment is solved inside the workflow.
The instalment closes the balance at maturity. The calculation handles partial disbursements.
A custom function step calculates the schedule.
The workflow designer's custom function editor. A mid-term top-up recalculates within minutes.
The customer requests more finance. The revised schedule retains its previous version.
The amendment calls the custom function step.
- Existing contract
- Finance increase
- Recalculated schedule
- Previous version retained
A late payment posts a penalty.
Your penalty rule applies. The ledger keeps charges and exceptions traceable.
Workflow rules write the contract's penalty ledger.
- Late payment
- Penalty rule
- Penalty ledger
- Exception history
Early settlement closes the contract.
Elapsed periods determine the payoff. Your penalty rules apply before reconciliation and closure.
The settlement workflow calculates payoff and closes the contract.
- Settlement request
- Payoff calculation
- Penalty decision
- Ledger reconciliation
- Contract closed
The revised schedule stays with the contract.
What changes when lending calculations run with the contract
| Before | With Beezr |
|---|---|
| Product rules live in separate models | Product terms run as configuration |
| Top-ups need an offline recalculation | Amendments recalculate within minutes |
| Late fees need a separate trail | Penalties have a dedicated ledger |
| Closure needs a side calculation | Settlement starts the reconciliation workflow |
Why not a loan management system or a custom build?
We compare each option against your product rules.
| Question | Loan management system | Custom build | Beezr |
|---|---|---|---|
| Product terms | Within its product model | Built to your specification | Your terms as configuration |
| Schedule changes | Its amendment features | Your calculation | Custom function step |
| First process | System rollout | After development | Running in weeks |
| Changing a rule | Its configuration tools | Developer update | Change workflow settings |
| Connections | Available interfaces | Built interfaces | Integration Hub and REST steps |
Lending and financing on Beezr at a glance
- Records
- Customers · Products · Applications · Contracts and versions · Schedules · Repayments · Penalties
- Workflows
- Approval · Schedule calculation · Top-ups · Extensions · Early settlement · Reconciliation
- Screens
- Operations workspace · Credit review · Customer history · Smart Views
- Reports
- Financing pipeline · Contract types · Payment schedules · Exposure · Late penalties
- Connects to
- Bank files · Accounting or core-system APIs · Email · WhatsApp · Single sign-on
- Fits
- Structured leasing · Varied payment styles · Grace periods · Bullets · Tranches
Built from parts, so the next process is faster
We build lending from shared parts. Approvals meet contract history. The same records support reconciliation and recovery.
The Integration Hub connects accounting APIs through a REST step. A Web Agent reaches systems without an API.
Onboarding and KYC
Also runs in factoring.
Contracts and documents
Also runs in procurement.
Approvals
Also runs in payment requests.
Ledgers
Also runs in factoring.
Reconciliation
Also runs in invoice settlement.
Case management
Also runs in collections.
Already running at companies like yours
Questions buyers ask about lending and financing on Beezr
How long does it take to go live?
Your first process is running in weeks.
Can we start with one part?
Yes. The next part connects to the same records.
Can we import our Excel records?
Yes. Import Excel records into your forms and workflows.
Can departments or entities have different rules?
Yes. Approval and document rules differ by department or entity.
Does it work in Arabic?
Yes. Users choose Arabic or English, with right-to-left screens.
Can it notify people on WhatsApp?
Yes. The Integration Hub sends messages through a provider or your company's WhatsApp Business account.
Where does our data live?
In your Beezr workspace, with field-level access and history. Beezr Shield adds encryption, SSO, MFA and geo fencing.
How does this compare with a loan management system?
Compare your product terms and amendments with the lending system's model. We configure yours.
What happens when a contract changes mid-term?
The custom function step recalculates the schedule. Previous versions remain traceable.
How does bank reconciliation work?
Import the statement. Transactions match by reference; exceptions reach a reviewer.