Challenges Facing the Commercial Lending Industry
Managing Assets and Depreciation Tracking
Equipment financing involves various asset types with unique depreciation schedules, maintenance costs, and resale values. Legacy systems struggle to track these assets, leading to inefficiencies in lease structuring, inaccurate financial planning, and risk mismanagement.
Handling Multi-Stage and Seasonal Payments
Commercial lending often involves progress payments tied to manufacturing or delivery milestones. Some industries, like agriculture and construction, need seasonal payment options. Many existing solutions fail to support flexible payment structures, creating cash flow challenges for borrowers.
Complex Compliance and Accounting Rules
Equipment lenders must comply with evolving regulations (such as IFRS 16 and ASC 842) while staying on top of your borrower’s credibility. Rules do not get applied on the fly and bank statements are scored at a snail’s pace, leading to inefficiencies, and manual workload.
Streamlining Dealer and Vendor Management
Managing multiple dealers, equipment (and other) manufacturers and stores requires seamless coordination. Many traditional lending systems lack integration for approvals, invoicing, and inventory tracking, causing delays.
Why DecisivEdge?
A Proven Partner in Commercial Lending Software Solutions
DecisivEdge brings deep expertise in implementing Oracle Financial Services Lending and Leasing (OFSLL) to help equipment and commercial lenders modernize their operations, enhance efficiency, and improve borrower and vendor experiences. Whether you’re looking to upgrade legacy systems, scale operations, or improve borrower flexibility, DecisivEdge helps commercial lenders with a unique commercial lending software or commercial lease software tailored to their specific needs.
Empowering Commercial Lenders with Advanced Commercial Lending Software Solutions
Comprehensive Loan and Lease Lifecycle Management
Managing the full lifecycle of commercial loans and leases requires a system that can handle origination, underwriting, servicing, collections, and asset management—all in one fully configurable commercial lending software.
DecisivEdge customizes OFSLL, offering unmatched configuration freedom in a scalable platform that automates workflows, streamlines funding processes, and enhances portfolio management. For equipment financing, we support a variety of credit product options such as rent-to-own, lease-to-own, or a custom B2B or B2C financing program. There are also flexible underwriting options available.
Flexible Financing Structures to Meet Business Needs
Unlike traditional lending, equipment and commercial (not to mention agriculture, transportation, industrial machinery, medical hardware) financing requires customized repayment terms, structured leases, and milestone-based disbursements. They need financing solutions that adapt to seasonal revenue fluctuations, progress payments, and residual value management.
DecisivEdge customizes OFSLL to create a commercial lending software or commercial lease software that handles flexible financing structures, supporting operating leases, capital leases, hire purchase agreements, balloon payments, and step-up/step-down repayment plans. Widen your client’s customer experience by offering instant loan approval for new purchase orders, materials and more, in your product catalog.
Elevating the Borrower Experience
In commercial lending, relationships extend to include dealers, stores, manufacturers, and service providers. A fragmented system leads to delays in approvals and lack of real-time status updates that impact customer satisfaction.
DecisivEdge’s custom commercial lending software and commercial lease software solutions helps lenders avoid bottlenecks that could DECELERATE funding decisions by providing a seamless digital experience with:
✔️ Self-service portals for borrowers and vendors
✔️ Automated approvals and real-time notifications
✔️ Seamless communication across all stakeholders in the equipment lifecycle
Actionable Insights for Growth - Advanced Analytics and Business Insights
We integrate advanced analytics within Oracle Financial Services Lending and Leasing (OFSLL) to deliver real-time insights on loan performance, borrower trends, and profitability.
These data-driven insights empower lenders to refine strategies and uncover new opportunities in the equipment/commercial lending and leasing market.
We can assist with...
- Building integrated custom commercial lending software and commercial lease software solutions and components across the commercial lending spectrum to help differentiate your offering.
- Assessing your servicing channels, recommend solutions to improve your customer experience and implement those recommendations.
- Implementing automated controls to ensure compliance with evolving regulatory frameworks—such as IFRS 16, ASC 842, and other industry-specific guidelines—while streamlining operations and minimizing risk.
- Quality assurance testing of your core systems as well as other critical platforms in your environment.
Other Industry-Specific Solutions by Oracle Financial Services Lending and Leasing
Case Study: National HVAC Lender Microf Adopts Oracle's Lending and Leasing as a Service
Microf, a national HVAC lender was looking to replace its inflexible, limited leasing software to enable its growth and diversification plans. DecisivEdge provided Lending and Leasing as a Service (LLaaS) to bring a more flexible and user-friendly experience to the client and customers. We enabled the client to:
- Gain an enhanced industry platform that is scalable and enables opportunities for new and more sophisticated products.
- Automate compliance management, reducing manual workload and intervention
- Free internal resources to shift from maintaining the legacy system to now working on new financial products and improving their competitive position.
OFSLL's Integration Partners
