Contracts that match the ledger
Generate the schedule at boarding so early settlement and penalties are unambiguous.
Solutions
Hire purchase companies
Agreements, assets, instalments, collectors, and repossession — on one ledger your cashiers and credit team share.
Vehicle, appliance, and equipment finance with schedules and collateral.
Built for this operating model
- Asset register with serials, supplier invoices, insurance, and photos.
- Locked instalment schedules and branded customer statements.
- Missed-payment alerts, GPS-aware watchlists, and documented repossession.
- MoMo and Paystack receipts that age against the schedule, not a cashbook.
What teams usually measure after go-live
- PAR 30 visibility by product and officer
- Fewer statement disputes
- Clean residual and insurance expiry reports
Collectors see the truth
Ranked queues, consecutive defaults, and promises with dates.
HP-only staff login
Specialists can live in the hire purchase module without seeing unrelated books.
Watch
Product walkthrough
Ninety seconds through origination, collections, the client portal, and month-end — filmed as a visual tour of the operating model.
Step 1
Onboard with Ghana Card KYC
Capture identity, photos, and next-of-kin once. Reuse the file across loans, savings, and hire purchase.
Step 2
Originate and schedule
Price reducing-balance or flat-rate products, lock a schedule, and disburse with dual control.
Step 3
Collect in the market
SMS, USSD, MoMo, and field queues post to the same instalment so PAR is honest.
Step 4
Let customers self-serve
The client portal shows the live savings balance, loan due, and HP statement — then takes payment.
Step 5
Close the month on the same ledger
Provisions, MPR packs, payroll, and the GL share one book examiners can sample.
Ready to modernize your institution?
Start a 14-day trial or talk to sales about hire purchase, microfinance, and multi-branch cores.