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Financial leasing & installmentswhere Flows began

Flows ERP started in financial leasing, so it works just the way your team already does.

One-month free trial before you buy.

Sound familiar?

  • Hundreds of live contracts, each with its own schedule and interest method
  • Penalty interest agreed by guesswork because nobody worked it out
  • Collection history lives in one person's head or notebook
  • Month-end takes a week of spreadsheet work

What changes with Flows

The installment book, worked out by the system:

Schedules kept by hand, contract by contract
Plans generated — equal principal, reducing balance, flat, or no interest
Penalty amounts as a starting point for haggling
Worked out daily by each contract's rules, with history
Collections in personal notebooks
Follow-ups, promised payment dates, and lawsuit cases on one timeline
Numbers pulled together at month-end
Dashboards showing overdue amounts and how much has been recovered

How your business runs in Flows, step by step

01

Sign the contract

The installment plan is generated, with interest.

02

Collect installments

Write off receivables as transfers and cheques come in.

03

Penalty interest

Late installments accrue penalty interest by your rules.

04

Collections

Follow-ups, promised dates, and lawsuits on one timeline.

05

See the portfolio

See overdue amounts and how much is recovered.

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 →
  1. Priced per company, not per seat

    One annual price, every module included. Add users freely within your tier — no feature gates, no seat fees.

  2. Three languages with auto-translation

    Thai, English & Chinese UI — and the data your team enters is translated automatically, so everyone reads the same records.

  3. 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.

  4. 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 ran more than 1,500 contracts on Excel files that people synced by hand. Month-end close took a full week; with Flows ERP it takes two days, and the billing mistakes are gone.”
— Zhou Shengyou · Operations Director, XCMG Leasing (Thailand) Co., LtdRead the customer story →

Frequently asked questions

Which interest methods does Flows support for installment contracts?

Flows supports four methods: equal principal, equal installments on a reducing balance, flat rate, and interest-free. You choose the method on each contract, and the schedule is generated for you.

How is penalty interest handled across many contracts?

Flows calculates penalty interest automatically every day, using the rules set on each contract, so your team never works it out by hand. Every payment and agreed reduction is recorded, and the balance is always up to date.

Does Flows fit the way our team follows up on overdue payments?

You can set up your own follow-up steps, and every call, visit, and message is saved on a timeline in the customer's collection file. When a customer promises to pay on a certain date, Flows will remind you on that day.

Can we add our own fields to contracts?

You can add your own fields to contracts and customers, such as asset details, registration numbers, or guarantor information. These custom fields work just like built-in fields, so you can import and export them with Excel.

Run the installment book in one system.

Start the free one-month trial, or book a demo and bring one contract's real schedule.