AstechLMS for Consumer Asset Finance
Consumer asset finance software
for goods-linked agreements
Connect the customer, sale, finance agreement, repayment record and General Ledger. AstechLMS supports hire purchase, instalment sale and lay-by administration across the full sales-to-settlement process.
Goods-linked agreements
Hire purchase
Deposits, interest & instalments
Instalment sale
Scheduled payments & terms
Lay-by
Staged-payment agreements
CRM · LMS · Sage ERP · Sage 300
The operating challenge
Connect every agreement to the customer and underlying sale
Goods-linked finance requires more than a repayment schedule. Customer onboarding, credit assessment, product and order information, deposits, instalments, receipts, arrears and accounting entries all need to remain aligned.
AstechLMS connects CRM, loan management and Sage ERP processes so teams can follow an agreement from the first lead through to payment posting and settlement.
Products
Support your consumer asset finance products
Hire purchase
Manage customer applications, facilities, deposits, interest, instalments and collections across the hire-purchase lifecycle. Link the credit agreement to the relevant product or sale and retain a clear account history through final settlement.
Instalment sale
Configure agreements with scheduled payments, interest and product-specific terms. Generate account records, repayment schedules, documents and statements around the approved structure.
Lay-by
Administer staged-payment agreements linked to goods that are released according to the agreed payment terms. Track customer details, the associated order, payment receipts and the remaining amount without presenting the arrangement as a conventional loan.
Sales to settlement
Manage the sales-to-settlement process
1
Lead & customer information
Capture leads, contact information and customer profiles through the CRM environment. Keep communication and activity history connected to the customer record.
2
Credit facility & documentation
Process the application, perform credit checks and record the approved facility or agreement. Generate and retain the required documents, payment terms and supporting schedules.
3
Quote, order & product details
Connect the approved finance arrangement with quote, order and product information. Sage 300 Order Entry and Inventory Control integration can link commercial and inventory activity with the customer facility and loan record.
4
Account setup & repayments
Record deposits, configure interest and create instalment schedules. Debit orders, receipts, charges and other account transactions remain available within the servicing record.
5
Collections & arrears
Monitor missed instalments and route collection tasks through a controlled workflow. Customer communication, receipts, adjustments and account actions remain visible to authorised users.
6
General Ledger integration
Post configured LMS transaction types to Sage 300, using detailed or consolidated journals according to finance requirements. The LMS retains debtor-level detail for servicing and reconciliation.
Connected data model
A connected data model across CRM, LMS & ERP
AstechLMS creates a link between customer engagement, the finance agreement and the underlying commercial transaction:
CRM
Captures the customer profile and initiates the facility or agreement.
Sage ERP
Processes the sale and connects it to the relevant product or inventory activity.
AstechLMS
Manages repayment terms, interest, balances, collections and settlement.
Sage 300
Receives the configured financial entries required for General Ledger reporting.
This structure gives sales, credit, collections and finance teams access to a consistent record without relying on repeated manual capture across departments.
Connect consumer sales, finance & repayment operations
See how AstechLMS can support your hire purchase, instalment sale and lay-by processes across CRM, loan management and Sage 300.
FAQs
Frequently asked questions
Hire purchase and instalment sale are credit agreements linked to goods, with ownership and repossession rights governed by the agreement and applicable law. Under lay-by, the customer usually makes staged payments before receiving the goods. AstechLMS can configure the administration and payment process for each model.
Yes. The AstechLMS architecture can integrate with Sage 300 Order Entry, Inventory Control and General Ledger. This connects customer and loan activity with the relevant commercial transaction and financial posting.
Yes. AstechLMS can create instalment schedules, process debit orders and receipts, monitor arrears, manage collection activity, generate statements and calculate settlement values.