The digital platform
for leasing
end to end.

apilease digitises the full leasing / finance lease lifecycle — from quote to collections. Accounting engine, workflow engine, pricing engine, white-label client and partner portals. Multi-tenant ready, built for lessors, banks, finance companies and microfinance institutions.

No commitment · Response within 1 business day

Managed financial products

All your products,
in one platform

apilease covers the full range of asset finance product types. Each product has its own configuration, calculation logic, and dedicated amortisation schedule.

LOA LLD Finance Lease Ijara LOA (excl. VAT) Bullet Credit Zero-Coupon Credit Seasonal Rentals Indexed Rentals Suspension Restructuring + other configurable products

Open architecture — new products can be configured to match your business requirements

Differentiating capabilities

Three engines that make
the business difference

At the core of apilease: an accounting engine to generate your journal entries, a workflow engine to orchestrate your processes, and a pricing engine to calculate every product. Three capabilities your teams own — no dependency on an external provider.

📒
Accounting Engine

Generate journal entries automatically

Define your accounting schemes and map them to lifecycle events — contract activation, instalment billing, collection, restructuring, close-out. Every operation produces the corresponding entries, with no manual re-keying.

  • Configurable accounting schemes
  • Mapped to contract lifecycle events
  • Automatically generated journal entries
  • OHADA / SYSCOHADA chart of accounts
  • Aged balance and detailed trial balance
⚙️
Workflow Engine

Orchestrate your business processes

Define and automate your workflows: file instruction, validation, approval, contract activation, dunning, collections. Every step is traceable, auditable, and configurable by your own team.

  • Multi-level approval flows
  • Automatic event-driven triggers
  • Complete action audit trail
  • Configurable alerts and notifications
  • Role and permission management
📈
Pricing Engine

Calculate every product with precision

Simulate rentals, amortisation schedules, grace periods and residual values in actuarial or commercial mode. Multi-asset, multi-currency, with or without VAT. Export to PDF and convert to a quote in one click.

  • Actuarial and commercial modes
  • Total deferral, partial deferral, residual value
  • Multi-asset & multi-currency (XOF, MAD…)
  • Real-time calculation, PDF export
  • Direct conversion to quote / contract
Functional architecture

One platform, three layers,
the full leasing lifecycle

Business back-office, white-label client portal and partner / dealer portal — integrated within a single, coherent architecture.

WHITE-LABEL PORTALS Business Back-Office Lessor team workspace Dashboard · Portfolio Configuration · Reporting Multi-tenant · OHADA/CIMA Client Portal White-label · Your brand Dashboard · Contracts · Invoices Financed assets · Insurance FR / AR (RTL) / EN · 2FA Partner Portal / Dealer File & quote submission Lead tracking & commissions Asset catalogue · Isolated access BUSINESS BACK-OFFICE CRM & Parties Clients · Suppliers KYC · Prospects Pricing Engine Simulation · Quote Actuarial / Residual value Workflow Engine Validation · Approval Alerts · Permissions Scoring & Risk Files · Provisions Guarantees Insurance Policies · Premiums CIMA Billing Invoices · Credit notes One-shot fees Accounting Chart of accounts OHADA · Journal entries Asset Management Vehicles · Equipment Registration · Serial no. Servicing Maintenance Incidents · Inspection Collections Arrears · Dunning History INFRASTRUCTURE & INTEGRATION API REST CBS · Core Banking · ERP integrations Multi-tenant Engine Data isolation · Per-tenant branding Deployment Modes SaaS Cloud · On-premise · Hybrid SaaS LEGEND Key engines (Pricing & Workflow) Back-office business modules White-label Client Portal Partner / Dealer Portal Infrastructure & integrations Real-time data flow
Modules

The full leasing business,
integrated and consistent

11 business modules — from first client contact through to post-financing follow-up.

01

CRM & Parties

Clients, suppliers, insurers, dealers, brokers, KYC, prospects.

02

Simulation & Pricing

Multi-asset engine, grace periods, residual values. PDF export, quote conversion.

03

Quotes & Contracts

From approved quote to signed contract. Detailed capital / interest / VAT schedules.

04

Billing

Invoice issuance, one-shot fees, credit notes, linked accounting entries.

05

Accounting

Chart of accounts, per-operation schemes, automated accounting events, OHADA.

06

Scoring & Risk

Financial analysis, ratios and qualitative assessment. File scoring, risk classification and provision calculation.

07

Guarantees & Insurance

Policies, premiums, per-asset coverage, CIMA compliance.

08

Asset Management

Vehicles, equipment, registration, serial numbers.

09

Servicing & Maintenance

Preventive and corrective interventions, incidents, inspections.

10

Collections

NPL classification, provision management, pre-litigation and litigation digital collections, with a complete action and communication log per file.

11

Sales Force Management

Set commercial targets and track sales team performance in real time.

Key capabilities

Three capabilities that
change the game

Beyond day-to-day management, apilease embeds risk analysis, advanced collections and sales force management — where generic tools stop short.

🎯
Scoring & risk analysis

Make decisions on solid ground

Evaluate every file with a complete financial analysis, key ratios and a structured qualitative assessment. The scoring engine objectifies the credit decision, classifies risk and calculates the associated provisions.

  • Financial analysis & ratios
  • Structured qualitative assessment
  • Scoring and risk classification
  • Automatic provision calculation
  • Credit decision support
⚖️
Collections & litigation

Manage your receivables end to end

Drive collections from the first reminder through to litigation. Classify your NPLs, set provisions, and track every file in a case sheet that records all actions and communications carried out.

  • NPL classification
  • Provision management
  • Digital pre-litigation & litigation collections
  • Action & communication log per file
  • Complete history per case
🏆
Sales force management

Drive and track your sales teams

Set commercial targets by team or by individual, and monitor performance in real time. Sales activity is linked directly to the pipeline and production output.

  • Commercial target setting
  • Real-time performance monitoring
  • Team and individual views
  • Direct link to the pipeline
  • Activity dashboards
Deployment

Your infrastructure,
your terms

apilease adapts to your IT policy — whether you prefer the cloud, your own servers or a hybrid approach.

☁️

SaaS Cloud

Instance hosted and managed by TNA Consulting. Fast onboarding, continuous updates, zero server maintenance for your IT team.

Recommended
🏠

On-Premise

Deployed on your own servers or datacentre. Full data sovereignty, internal network integration — ideal for strict compliance policies.

Data sovereignty
🔗

Hybrid SaaS

The best of both worlds: application logic in the cloud, sensitive data on-site. Tailored architecture built around your regulatory requirements.

Flexible
White-label portals

Three spaces, one unified experience

Beyond the back-office, apilease provides two distinct branded portals: one for your end clients, one for your partners and dealers.

📱

Client Portal

Every lessor gives its clients a fully branded space — your logo, your colours, your subdomain. Clients manage their files with complete autonomy, 24/7.

  • Dashboard: outstanding balance, next instalment, arrears, progress
  • Contracts & amortisation schedules with visual curve
  • Invoices & downloadable PDF documents
  • Financed assets, insurance, maintenance interventions
  • Secure 2FA authentication
French عربية (RTL) English Mobile-first 2FA
🤝

Partner / Dealer Portal

A dedicated space for your referral partners, dealers and brokers. They submit files, track their leads and view their commissions — without ever accessing your internal data.

  • File submission and financing requests
  • Access to the simulation engine to pre-qualify projects
  • Real-time file status tracking
  • Asset and product catalogue
  • Role-based and permission-controlled access
Dealers Brokers Referral partners Isolated access
The solution

A platform built
for your market

apilease brings together in a single tool everything a lessor needs to manage its portfolio, serve its clients and keep risk under control.

⚙️

Truly all-in-one

CRM, simulation, quotes, contracts, billing, accounting, scoring and collections — one tool, one source of truth. No more re-keying.

🌐

White-label by default

Every lessor keeps its own brand, subdomain and colours — on both the client portal and the partner portal. Your clients see only you.

💲

Native multi-currency

XOF, MAD and other currencies handled natively. Built for multi-country groups and cross-border operations across Africa and the Middle East.

🌍

Regional publisher, deep local expertise

OHADA, CIMA, Morocco / UEMOA / CEMAC regulations, FR / AR (RTL) and EN interfaces — software designed for your markets, not bolted on.

🏢

Multi-tenant

Deploy for multiple entities or subsidiaries from a single instance. Each keeps its own isolated data, configuration and branding.

🔗

Integrable & open

REST API to connect your Core Banking System, your ERP or any third-party tool. apilease plugs into your existing ecosystem.

How it works

Get started in 3 steps

From the first demonstration to go-live, the TNA Consulting team guides you every step of the way.

1

Personalised demonstration

A TNA expert walks you through the platform on your specific use case: type of lessor, country, portfolio size, financed products.

2

Configuration & onboarding

Our teams set up your instance: chart of accounts, currency, branding, modules, workflows — tailored to your requirements.

3

Go-live & ongoing support

Your teams are trained, your portals are live. The TNA team remains available on an ongoing basis.

FAQ

Frequently asked questions

apilease covers LOA, LLD, Finance Lease (Crédit-bail), Ijara, LOA (excl. VAT), Bullet Credit, Zero-Coupon Credit, Seasonal Rentals, Indexed Rentals, Suspension, Restructuring, and other configurable products. The architecture is open: new products can be parameterised to meet your business needs with no custom development required.
The partner portal provides an isolated workspace for your referral partners, brokers and dealers. They can submit files, access the simulator to pre-qualify projects, track the status of their files in real time and consult the asset catalogue — without ever accessing the lessor's internal data.
Yes. apilease is built by TNA Consulting, a firm specialising in the financial sector. The platform incorporates OHADA accounting requirements, CIMA insurance rules and Morocco / UEMOA / CEMAC regulations. Interfaces are available in French, Arabic (RTL) and English.
Yes. apilease is a multi-tenant SaaS platform: each entity has its own isolated instance — data, branding, configuration — all from a single deployment.
apilease is available in three modes: SaaS Cloud (hosted by TNA Consulting, zero maintenance), On-premise (on your own servers, full data sovereignty) and Hybrid SaaS (cloud logic, on-site data). The right choice depends on your IT policy and regulatory requirements.
Contact us for a proposal tailored to your volume and specific needs. We build a custom quote based on your type of organisation and portfolio size.
Yes. apilease also covers small-ticket financing (motorcycles, agricultural equipment, professional tools) and scales to your portfolio size, whether you are a large bank or a microfinance institution.
Demonstration

See apilease
in action

Schedule a demonstration with a TNA Consulting expert. We tailor the presentation to your type of lessor, your country, your portfolio and your financed products.

  • 🌟
    Tailored to your context Live simulation using your asset type, your currency, your products (LOA, Ijara, finance lease…).
  • 🕐
    No commitment Response within 1 business day. No contractual obligation.
  • 🌎
    Regional expertise OHADA, CIMA, multi-currency, FR/AR/EN — our team knows your market.

Request a demo

Fill in the form — our team will get back to you within 24 hours.

No commitment · Response within 1 business day
Or write to us: [email protected]

The leasing platform
built for your market

Schedule a demonstration with a TNA Consulting expert. We tailor the presentation to your type of lessor, your country and your portfolio.

No commitment · Response within 1 business day