Lease out your products on your terms
Flexible, white-label technology for the full asset leasing lifecycle. One platform, any asset class, as many banks or lenders as your asset finance program needs.
Global platform · Proven in production
Leasing programs rarely stall on credit. They stall on everything around it.
A lease touches more parties than a straightforward loan. You set the rules, one or more funding partners own the assets and carry the paper, a reseller delivers the assets, and the customer signs for all of it. When those parties work in separate systems, the work lands on your operations team.
Every party in a different system
Lenders in email, resellers in spreadsheets, customers on the phone. One deal ends up living in five places and reconciling in none of them.
Residual values kept in a spreadsheet
If nobody can say which residual table produced a quote, nobody can defend that quote later. Pricing integrity turns into a manual audit.
Fulfillment that never quite matches the order
Partial shipments, swapped models, missing asset identifiers, credit notes after delivery. Reconciliation by hand caps how many deals a team can carry.
platform instance carrying every lender, reseller and region in your program
product families on that same instance, each with its own economics
Leasing, installment, revolving, deferred paymentlogins required from a signatory to review and sign a lease agreement
One record, from first quote to end of term
Every stage runs on the same lease record, with defined owners, ordered states and a full audit trail. Select a stage to see what the solution does there.
Onboard the customer once, not once per lender
A staged digital flow captures the customer and verifies each data point against source. For a business that means the entity, its beneficial owners, its signatory and its financials. For a consumer it means identity, affordability and the consents the program requires. Your team can run it on the customer's behalf, or send a secure link for the steps only the customer can complete.
- KYC for individuals and KYB against the business registry, with identifiers pre-filled so the customer is asked only for what cannot be retrieved
- Beneficial owner capture where the customer is a business, plus AML, PEP and adverse media screening and identity verification on any applicant
- Every check, document and version retained against the record with a timestamp
- The journey is lender agnostic, so one onboarding serves every lender that later sees the deal
Offers your rules allow, and nothing else
A configurable rules engine sits over your catalog and decides what can be offered, to whom, where and on what term. One request can carry several asset models with their own quantities and attached services, held as a single bundled offer against one contract.
- Rules evaluate customer profile, geography, eligibility and current exposure at the point of quoting
- Combinations outside the approved envelope are blocked at entry, with the reason shown so the error is corrected in the journey
- Expired catalog and residual entries cannot be selected, so a stale quote cannot be built
- Rules are configuration. Eligibility, geography and bundle logic change without a platform release
Run a network of banks and lenders without showing the customer any of it
Each deal is tested against every lender's own rule set before anyone is invited, so only eligible lenders bid. The customer sees one offer under your brand and never sees the lender behind it.
- Competitive bidding deal by deal, with each lender's rate and resulting economics compared on one screen
- Every lender gets a portal, so a lender with no integration capability is never a blocker
- You supply the verified information pack. Each lender applies its own risk model and makes its own credit decision
- Exposure and utilization against each lender's cap tracked as the portfolio grows
Master agreement and schedule, generated and signed digitally
The master lease agreement and each schedule are generated from the approved deal, versioned, and sent for signature. Signatories verify their identity and sign in the browser. Nobody has to log in to a portal.
- Multi-signatory envelopes with per signatory status tracked individually
- One time passcode and document identity checks where the program requires them
- Countersigned documents return automatically and the account activates on the final signature
- Documents, versions and consents retained against the record for audit
A signed schedule is the start of the deal, not the end
Assets ship in batches as stock allows. Each reseller invoice is read on upload, matched to the order, and tied to the specific assets delivered. Cash follows delivery instead of waiting for a complete order.
- Ordered against invoiced quantity, financed against funded amount, invoice to asset to contract
- Over shipment, wrong model, missing asset identifiers and duplicate invoices raise an exception instead of posting
- The lender disburses per reconciled invoice, so the reseller is paid per batch
- Change requests at any point, re-reconciled across quantity, pricing, schedule and lender position
Servicing, collections and the end of term you planned for
Billing, tax, collections and settlement run off a program sub ledger. End of term is a scheduled event with its own pipeline, so intent is captured before the term runs out rather than after.
- Invoice delivery, receipt confirmation, dunning at configured thresholds and escalation with SLA clocks
- End of term triggers, customer intent capture, and routing to return, extend, buy out or upgrade
- Where no decision is taken in the notice window, the contract moves to a defined evergreen state with holdover terms applied by policy, rather than renewing silently
- Returned condition assessment reconciled against the residual quoted at offer time, with variance handled by policy
- Residual value guarantees, buyback structures and billing caps supported, with the residual version behind every figure traceable
One platform, four views of the same record
Every party sees the deal, scoped to what its role requires. You decide which surfaces to switch on, and at what level.
Program portal
The console the program runs from. Role based queues, an assigned to me view per account owner, portfolio and governance reporting.
Your teamReseller portal
Pipeline, quotes owed and fulfillment obligations. Resellers work inside the envelope you define and never set pricing or terms independently.
ResellersLender portal
Requests to bid on, deals awaiting disbursement, and live exposure against cap. Every lender gets one, whatever its integration maturity.
Your banks and lendersCustomer portal
The customer's own assets, contracts, invoices and end of term position. Read only for visibility, or transactional where customers prefer to act directly.
Your customersEvery financed asset is a specific, identified item
You or your funding partner owns the asset for the whole term. Everything that depends on that ownership is derived from the asset record rather than estimated: residual position, book value and end of term settlement.
Asset level traceability is what makes end of term defensible. When an asset comes back, the platform already knows which invoice paid for it, which schedule financed it, and which residual version priced it.
That single property is what turns residual value from an estimate into a governed position you can audit.
You keep the governance. The platform enforces it.
Delegating origination to a reseller network only works if the rules hold without an approval step on every deal.
Residual values as controlled reference data
Effective dated tables published as versions by a named administrator, never edited inline. Quoting reads only the active in date version, and every quote traces to the version in force when it was produced. Residual risk sits with whoever your program says it sits with, and the platform tracks the position either way. Unlike credit exposure, which runs off as the customer pays, residual exposure peaks on the last day of the term.
Deviation is an authorization, not an override
Deviation inside your tolerance band routes to a named authorizer and records the reason, the standard value, the requested value and the decision. Outside the band the quote is blocked.
Change the program without a release
Notification rules, thresholds, recipients, escalation paths and eligibility parameters are versioned configuration objects a business owner can change directly.
Your program, your data
You own the customer, asset, transaction and program data. Jifiti is the processor, and the program sub ledger is the program's financial system of record rather than your general ledger.
API first, with a portal for everyone else
Event driven push as states change, scheduled incremental extract, or portal access for counterparties with no integration capability. Most programs use all three across different parties.
Adding a region is configuration
Regulation, documentation, tax treatment, language and data residency are handled as configuration on a tenant based deployment model, so a new region is not a rebuild.
Most leasing platforms are a finished product. This one is built around your program.
A single-purpose asset finance platform gives you what it already does. Anything else is a roadmap conversation. Jifiti is modular, which means the program comes first and the platform is assembled around it.
| A single-purpose asset finance platform | Jifiti | |
|---|---|---|
| What you buy | A finished product. You shape the program around what the platform already does. | A modular platform. You take the components you need and keep the rest in house. |
| Scope | Asset finance. | Leasing alongside installment lending, revolving credit and deferred payment, on one instance and one data model. |
| Your existing systems | Replaced, or worked around. | Kept. Your CRM, ERP, core and servicing systems stay, and integration runs both ways. |
| Where solutions come from | Precedent inside asset finance. | Patterns already proven across other products, markets, channels and use cases, brought to bear on your leasing problem. |
| A requirement nobody has met before | A change request, on someone else's roadmap. | Usually something we already run somewhere else, configured for you. |
| Growing the program | New products and regions arrive when the product does. | New regions, channels and financing products are configuration on the platform you already run. |
We do not only do leasing. That is the point.
Jifiti builds and operates the platform layer behind financing programs run by global financial institutions, retail brands and captive finance arms. Leasing is one of several products we run, in several regions, across several channels.
That breadth is what you draw on when your program hits something unusual. A lender with no API, a reseller network that needs its own rules, a market with its own documentation regime, a segment that needs to self serve. We have almost certainly solved a version of it somewhere else, in another product or another market, and that solution is configuration rather than a roadmap item.
Built for brands and captive finance
Your customers should see your program. Everything behind it is ours to absorb.
Modular, so you are not buying what you already have
Pick the components you are missing and keep the rest in house. An out of the box platform asks you to take all of it and retire what you already run. This one does not.
Problem solving drawn from outside leasing
When your program needs something unusual, the answer comes from what we run in other products, markets and channels. A specialist who only does asset finance can only offer what asset finance has already tried.
White-labeled without exception
Every screen, document, email and notification carries your brand. The lender is never disclosed to the end customer, and the technology provider is never in the room.
Assisted and self-service in one model
Business buyers often want an agent to do the work. Consumers usually want to do it themselves. The same journey runs either way, assisted or unassisted, without re-platforming between them.
Questions we get from leasing programs
Is Jifiti the lessor?
No. Jifiti is a technology provider. You or your funding partner owns the asset, holds the paper, owns the credit decision and sets the commercial model. The platform digitizes and orchestrates the program around that.
Can the platform run several lenders at once?
Yes. A single instance supports multiple lenders concurrently, each with its own credit policy, rate card, document set, ticket limits, exposure cap and permitted geographies. Deals are tested against each policy before any lender is invited to bid.
What if a lender has no API capability?
Every lender gets a portal regardless of integration maturity. A lender with no technical capability sees the same requests, submits the same bids and disburses against the same reconciled invoices as a lender integrated by API.
Which asset classes does this support?
The platform is asset agnostic. Catalog, residual tables, terms, documentation and condition criteria are configured per program, so the same instance can carry different asset families with different economics.
Which lease structures does it support?
Fair market value, lease purchase and fixed buyout structures are configured per program, along with the end of term options each one permits. Residual tables, purchase option terms and grading criteria are set per structure, so one instance can carry several side by side.
How does this fit our lease accounting?
Classification stays your decision and your auditors'. The platform holds the data it rests on, term, rentals, residual, purchase options and asset detail to serial, and the program sub ledger feeds your general ledger in the format your finance team specifies.
Do we have to replace our existing systems?
No. The platform is modular. Take the components you need and keep the rest in house. Where you already run a CRM, ERP or ticketing system, integration is bi-directional. Where you do not, the program portal covers that ground.
How long does it take to launch in a new region?
Adding a region to an existing tenant is a configuration change rather than a rebuild. Jifiti runs global programs today, with regulation, documentation, tax treatment, language and data residency handled as configuration rather than as separate builds.
See your leasing program on one platform
Bring us the program you already run, or the one you have been trying to launch. We will walk the lifecycle against it.
