Solutions · Leasing
For installment businesses — built where Flows was born
Flows' first production deployment ran a machinery-leasing portfolio in Thailand — 1,500 contracts, monthly closing cut from 7 days to 2. Installment plans with real interest math, penalty that accrues daily, and collections with a paper trail: this is the system's home territory.
Sound familiar?
- Hundreds of live contracts, each with its own schedule and interest method
- Penalty interest negotiated from guesses because nobody computed it
- Collectors' knowledge walks out the door when they do
- Month-end closing takes a week of spreadsheet surgery
What changes with Flows
The installment book, computed instead of curated:
The Flows fit for leasing
The portfolio lifecycle, end to end:
A normal week, on Flows
New lease signed — 36-period reducing-balance plan generated
Cheques deposited; clearings settle their bound periods
43-day overdue account gets its demand letter, penalty stated to the baht
Risk dashboard shows aging and recovery rates across the book
Why Flows
What makes Flows different
Not another generic ERP — a system built around how Thai SMEs actually buy, sell, and collect.
See how onboarding works →Priced per company, not per seat
One annual price, every module included. Add users freely within your tier — no feature gates, no seat fees.
Three languages with auto-translation
Thai, English & Chinese UI — and the data your team enters is translated automatically, so everyone reads the same records.
Your documents, exactly your format
Send us your invoice and receipt templates; our team configures them into Flows. Every document comes out looking like yours.
We walk you live — and stay
Five-step onboarding at no extra cost, then quarterly system stability reports. We don't disappear after go-live.
“We managed over 1,500 contracts on Excel files synced by hand. Month-end close ran a full week — with Flows it's two days, and the billing errors are simply gone.”
Frequently asked questions
Which interest methods does Flows support for installment contracts?
All four that Thai installment business actually uses: equal principal, equal installment on the reducing balance (ลดต้นลดดอก), flat rate, and interest-free terms — chosen per contract, schedule generated automatically.
How is penalty interest handled at portfolio scale?
Rules live on each contract; accrual runs daily and automatically across the whole book. Live balances and per-period history are always current, payments and negotiated waivers are recorded with audit trails — no spreadsheet ever computes a penalty again.
What did the real leasing deployment look like?
XCMG Leasing Thailand ran about 1,500 contracts on the system and cut monthly closing from 7 days to 2 — that story is on our customers page, and it's the deployment Flows grew up in.
Do collections meet legal-process needs?
The timeline records every contact with dates and outcomes, demand letters generate with EMS proof, and lawsuit steps carry their documents — the evidence chain a lawyer asks for, already in order. What you say to debtors remains governed by the Debt Collection Act.
Does Flows track the leased assets themselves — GPS, registration, repossession?
No — Flows manages the financial side: contracts, schedules, penalty, collections, and cash. Asset-tracking hardware and registration workflows are outside its scope.
Run the book the way the numbers deserve.
Start the free one-month trial, or book a demo and bring one contract's real schedule.