Hire-purchase and motor finance software for SME lenders
Deposit, instalment schedule, collections and agreement files in one place — for SME motorcycle, car, phone and equipment instalment businesses. Available as a subscription or white-labelled under your own brand.
No credit card · Workspace in 10 minutes · Cancel anytime
Built for instalment businesses
Book the sale as a loan with deposit and monthly (or weekly) instalments; attach the agreement, ID and asset photos to the customer file; collectors post payments from their phone; the ageing report flags accounts heading for repossession. P&L includes your expenses and payroll, so you see the real margin per month.
Your brand, our engine — White Label OEM
If you would rather your borrowers, agents and staff never see the name CLMS Cloud, ES Vision can set the whole system up under your lending company’s own brand: your name, logo, colours and favicon throughout the app, your own domain such as loans.yourcompany.com, and branded login screens, emails, PDFs and shareable schedules.
ES Vision handles the deployment, hosting, upgrades and maintenance, so you get an in-house-looking system without an in-house IT team. A dedicated database or a fully private deployment is available where you need the separation, and reseller terms exist for lenders rolling the system out to their own branches or partners.
White Label OEM is quoted per project rather than at a list price, because scope, branding depth and hosting arrangements differ for every lender. Contact our sales team and we will put a number to yours.
Included
- ✓Loan booking with live calculation: front interest, deposit, daily / weekly / monthly instalment plans
- ✓Instalment schedule with per-term status, shareable to the customer as an image via WhatsApp
- ✓Mobile collection round (PWA app): due and overdue instalments with arrears, multi-term settlement
- ✓Payment, partial, late-charge and extension-interest types by cash, cheque or bank
- ✓Customer KYC files (IC, agreement, photos, PDF) in private cloud storage; duplicate IC/phone warning; blacklist
- ✓1–5 star customer grading that re-scores after every payment
- ✓Levels and custom roles (capabilities × team scope), per-user agent access, time-window visibility for new staff
- ✓Reports: loan register, collection, ageing, cash flow, P&L, monthly vintage snapshot — CSV export
- ✓Expenses (40 categories), staff payroll, other income and owner capital in the P&L
- ✓Telegram bot for login codes, digests and alerts; system announcements; maintenance mode
- ✓Audit log on every customer, loan, payment and status change; Data Check self-audit; nightly backups
- ✓UI in English, 中文 and ភាសាខ្មែរ; six themes; adjustable font size
FAQ
Does it track the asset (chassis, IMEI)?
Store it in the loan remarks and the customer file today; a dedicated asset register is on the roadmap.
Can dealers or agents see only their own accounts?
Yes — per-user agent access and team-scoped roles.
Can we run it under our own brand?
Yes — the White Label OEM option. ES Vision sets the system up under your company name, logo, colours and domain, then hosts and maintains it. It is quoted per project, so contact our sales team for pricing.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.