Asset finance.
Completely connected.
An enterprise operating platform for the complete asset-finance and leasing lifecycle.
One connected operation.
Every team, in context.
From customer acquisition and credit assessment to procurement, asset servicing, payments, collections, accounting and final asset exit — Halcyon connects the entire operation in one governed platform.
Commercial & origination
Structured intake from first enquiry to prepared contract, with products and pricing governed centrally.
- Executive overview
- Leads
- Customers
- Application origination
- Products and pricing
- Offers
- Contract preparation
The detail your operation needs.
The clarity your team deserves.
From documents
to a clearer credit decision.
AI-assisted classification, extraction, reconciliation, analysis, and credit memorandum preparation, with the final decision held by authorised people.
- Document classification
- Data extraction
- Missing-document identification
- Inconsistency detection
All credit intelligence capabilities+
- Document classification
- Data extraction
- Missing-document identification
- Inconsistency detection
- Bank and financial analysis
- Affordability assessment and DTI
- PD, LGD and EAD inputs
- Risk scoring and exposure analysis
- Structured credit memorandum preparation
Supported credit inputs+
- Financial statements
- Management accounts
- Bank statements
- Tax documents
- Supporting appraisal documents
Actions reserved for people+
- Approve an exposure
- Advance a governed application
- Post a consequential financial entry
- Initiate recovery action
Lease 360
ONE CONNECTED CONTRACT VIEWThe full lease.
At your fingertips.
Keep the customer, asset, repayment schedule, payments, documents, and lifecycle history connected. Manage the service changes real portfolios require.
What the lease record includes+
- Original principal
- Outstanding balance
- Paid to date
- Next due date
- Customer
- Asset
- Repayment schedule
- Payments
- Agreements and invoices
- Documents
- Service changes
- Lifecycle history
Supported servicing actions+
- Payment holidays
- Term extensions
- Rate changes
- Contract amendments
- Split billing
- Asset substitutions
- Customer transfer
- Early termination
- Residual settlement
- Purchase option
Asset lifecycle and attributes+
- Ordered
- Delivered
- Inspected
- Registered
- Insured
- Leased
- Maintained
- Returned / recovered
- Disposed
- VIN / serial / engine / registration
- GPS and location
- Custodian / driver
- Purchase cost
- Current valuation
- Residual value
- Insurance and claims
- Warranty
- Maintenance and inspection
- Fuel and mileage
- Disposal history
Payments to ledger.
A traceable financial chain.
Match and allocate receipts, manage arrears and collections, and post operational events through governed accounting and period controls.
Payments and recovery capabilities+
- Duplicate payment prevention
- Automated allocation
- Bank reconciliation
- Unmatched receipts
- DPD buckets
- Collection queues
- Contact history
- Promise-to-pay
- Legal escalation
- Repossession
- Recovery proceeds
- Shortfall / surplus
- Governed reversals
Accounting and financial controls+
- Double-entry accounting
- Trial balance
- AR / AP
- Multi-currency / FX
- IFRS 16 support
- Maker-checker
- Period control
- Automatic posting
- Reversal rather than silent edits
- Financial audit trail
Recovery workflow+
- Arrears
- Collection
- Promise to pay
- Escalation
- Recovery
- Settlement
Your products. Your workflows.
Your operating model.
Configure the platform around your pricing, authority limits, departments, and processes.
Pricing workbench
Configure finance products, compare scenarios, and understand deal economics before the offer is approved.
Products and pricing concepts+
- Finance lease
- Operating lease
- Hire purchase
- Rental
- Sale and leaseback
- Fixed / variable rates
- Flat / reducing balance
- Balloon payments
- Residual values
- Payment frequency
- Advance / arrears timing
- Cost of funds
- Fees and taxes
- Grace periods
- Rate cards
Calculated pricing metrics+
- Base payment
- Effective APR
- Deal IRR
- NPV @ cost of funds
- ROE
- Total interest
- Break-even rate
Pricing outputs+
- Amortisation schedule
- Scenario comparison
- Saved versions
- Approval on overrides
Configurable operations
Align forms, roles, approvals, dashboards, notifications, and reporting with your organisation.
- Department-specific workflows
- End-to-end business-process mapping
- Configurable hand-offs between departments
- Approval levels and authority limits
- Role-based access
- Automated assignments
- Notifications and escalations
- Custom forms and fields
- Product and pricing configurations
- Department-specific dashboards
- Reports and work queues
- Regulatory workflow changes
- Continuous process improvement
Control at every layer.
Visibility across the platform.
Identity
- Authentication
- MFA readiness
- SSO readiness
- Session controls
Access
- RBAC
- Module permissions
- Approval authority
- Row-level security
Data
- Encryption in transit
- Protected secrets
- Controlled document access
- Data retention controls
Application
- Server-side authorization
- Input validation
- Controlled state transitions
- Audit events
Integrations
- Signed webhooks
- API scopes
- Protected credentials
- Sandbox-first configuration
Monitoring
- Runtime health
- Job monitoring
- Provider event logging
- Retry visibility
- Correlation IDs
Governance
- Immutable audit history
- Maker-checker
- Approval authority
- Data subject requests
- Incident management
Operational observability
- Component health
- Background jobs
- Workflow executions
- Provider calls
- Integration events
- Latency
- Retry history
- Correlation identifiers
- Certification checks
Connect the systems.
Bring the people together.
Core enterprise
- ERP
- Accounting systems
- CRM
- Document management
Money movement
- Banks
- Payment gateways
- M-Pesa
Compliance
- Credit bureau / CRB
- KYC providers
- Tax systems
Communication
- SMS
Asset telemetry
- Telematics / GPS
Developer surface
- APIs
- Webhooks
Customer self-service
Customers access the records and services linked to their relationship.
- Applications
- Offers
- Leases
- Statements
- Invoices
- Payments
- Documents
- Requests
Partner workspaces
Scoped access for dealers, suppliers, and brokers within the same record chain.
- Dealer quotes
- Inventory
- Supplier orders
- Invoices
- Settlements
- Broker commissions
- Documents
- API sandbox
Every department, connected.
Executive
Portfolio, risk, revenue, collections and exceptions.
Sales / relationship
Leads, customer intake and origination.
Credit / risk
Evidence, analysis, scoring and recommendation.
Approval committee
Approve, condition, refer or decline within authority.
Operations / asset
Procurement, inspection, asset registration, insurance and maintenance.
Finance
Invoices, payments, allocations, accounting and reconciliation.
Collections
Arrears, promises, escalation, recovery and settlement.
Customer / partner
Secure self-service access to only linked records.
A controlled transition.
A supported launch.
Implementation follows your processes, data, integrations, and readiness. Scope and pricing are agreed after discovery.
Discovery & blueprint
Process mapping, fit-gap analysis and an agreed target operating model.
Configuration
Products, pricing, workflows, authority limits, roles and document templates.
Data migration
Customers, contracts, schedules, balances and asset records, reconciled before sign-off.
Integrations
Banking, payments, bureau, tax, telematics and internal systems, sandbox first.
UAT & training
Department-based test scripts, sign-off by process owner and role-specific training.
Cutover & hypercare
Controlled go-live, opening-balance verification and an agreed hypercare period.
What influences implementation scope+
- Number of contracts
- Asset volumes
- Countries
- Migration complexity
- Integrations
- User volumes
- Custom workflow requirements
Purpose-built. Continuously evolving.
Purpose-built
Designed specifically around asset-finance operations.
Configurable
Products, processes, approvals and departments can be aligned without rebuilding the platform.
Connected
One governed record chain across commercial, operational and financial activity.
AI-enabled
AI supports document analysis, decision preparation and operational intelligence.
Local engineering access
Direct access to the team responsible for the product.
Continuous evolution
The platform can evolve as regulatory, operational and strategic requirements change.
Your Halcyon questions.
The product details that matter before a demonstration.
See your operation
in Halcyon.
Let’s walk through the platform with your business requirements in mind.
Request a Halcyon demo