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.
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.
Open architecture — new products can be configured to match your business requirements
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.
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
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
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
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.
The full leasing business, integrated and consistent
11 business modules — from first client contact through to post-financing follow-up.
CRM & Parties
Clients, suppliers, insurers, dealers, brokers, KYC, prospects.
Simulation & Pricing
Multi-asset engine, grace periods, residual values. PDF export, quote conversion.
Quotes & Contracts
From approved quote to signed contract. Detailed capital / interest / VAT schedules.
Billing
Invoice issuance, one-shot fees, credit notes, linked accounting entries.
Accounting
Chart of accounts, per-operation schemes, automated accounting events, OHADA.
Scoring & Risk
Financial analysis, ratios and qualitative assessment. File scoring, risk classification and provision calculation.
Guarantees & Insurance
Policies, premiums, per-asset coverage, CIMA compliance.
Asset Management
Vehicles, equipment, registration, serial numbers.
Servicing & Maintenance
Preventive and corrective interventions, incidents, inspections.
Collections
NPL classification, provision management, pre-litigation and litigation digital collections, with a complete action and communication log per file.
Sales Force Management
Set commercial targets and track sales team performance in real time.
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.
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
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
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
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.
RecommendedOn-Premise
Deployed on your own servers or datacentre. Full data sovereignty, internal network integration — ideal for strict compliance policies.
Data sovereigntyHybrid SaaS
The best of both worlds: application logic in the cloud, sensitive data on-site. Tailored architecture built around your regulatory requirements.
FlexibleThree 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
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
Fewer calls to your customer service team. Faster collections. A client experience that reflects your brand — not your vendor's.
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.
Get started in 3 steps
From the first demonstration to go-live, the TNA Consulting team guides you every step of the way.
Personalised demonstration
A TNA expert walks you through the platform on your specific use case: type of lessor, country, portfolio size, financed products.
Configuration & onboarding
Our teams set up your instance: chart of accounts, currency, branding, modules, workflows — tailored to your requirements.
Go-live & ongoing support
Your teams are trained, your portals are live. The TNA team remains available on an ongoing basis.
Frequently asked questions
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 contextLive simulation using your asset type, your currency, your products (LOA, Ijara, finance lease…).
- ⏰No commitmentResponse within 1 business day. No contractual obligation.
- 🌍Regional expertiseOHADA, CIMA, multi-currency, FR/AR/EN — our team knows your market.
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.
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