Faster Onboarding and Quoting With Asset Precision

Dealers and OEMs are onboarded with SLAs, buy-downs, and subventions configured once. Assets are logged by VIN or serial, with options, warranties, and pricing templates. Quotes run through calculators for IRR, residuals, balloon payments, deposits, and taxes. KYC/KYB and soft credit pulls are automated. The result: faster quote-to-contract, fewer errors, and transparent pricing every time.
Underwriting and Structuring That Control Risk and Exposure

Obligor and asset risk are assessed together, combining LTV, affordability, and exposure with residual/FMV logic. timveroOS enforces policies-as-code for eligibility, concentration, insurance, and maintenance, ensuring every decision is logged, explainable, and auditable. Final term sheets and contracts are assembled with governed overrides, versioned rules, and full transparency, helping risk stay aligned with product and finance.
Booking and Funding That Keep Accounting Clean

Once approved, POs, insurance, and registration are captured, and commencement dates confirmed. Contracts are booked with amortization schedules, indexation, fees, and taxes calculated automatically. Entries post directly to the GL, funds are disbursed, and the asset dossier is published to portals. Exception workflows handle substitutions or short shipments. Finance gets predictable schedules, risk gets clear exposure, and operations reduce rework.

Framework-Native Architecture for Asset Finance

For leasing service providers, the timveroOS platform by TIMVERO models every participant — obligors, guarantors, vendors, OEMs — and every asset down to VIN or serial number. Contracts, schedules, warranties, and events are captured natively, alongside raw and derived data. Configurable flows assemble operating, finance, or balloon leases. Fully extensible in code and APIs, this architecture shortens time-to-market while keeping every product explainable and audit-ready.

VIN/serial registries, warranties, insurance, maintenance, and telemetry are captured directly in the system. Residual/FMV logic and end-of-term workflows run as policies-as-code. This means less custom plumbing, more transparency, and predictable remarketing yields, while every step stays explainable and audit-ready.
Asset Lifecycle Managed Natively
Generate precise amortization schedules with fees, indexation, and tax included. Classify leases correctly as operating, finance, or balloon. GL postings are logged with audit-ready entries. timveroOS helps ensure alignment with accounting policies, reducing manual reconciliations and month-end rework for finance teams.
Pricing, Schedules, and Accounting Without Errors
TIMVERO lease software provides portals and APIs for dealers and captives to run quote-to-contract, buy-downs, and subventions natively. CRM, ERP, and telematics integrations are supported via SDKs. You launch new products quickly and ship changes without waiting for vendor roadmaps, keeping programs competitive and agile.
Dealer Portals and Embedded Programs Out of the Box

AI-Powered Lease Accounting Software Trained in Your Environment

AI in the commercial lease management software predicts residual values and FMV, optimizes IRR-based pricing, and flags early delinquency or usage anomalies from telematics. Models also recommend end-of-term and remarketing strategies to maximize recovery. All models train in your environment, remain explainable, and plug directly into structuring, servicing, and EOT.

Accurate Residual and FMV Forecasts to Protect Margins
IRR-Based Pricing Optimization for Higher Profitability
Early Delinquency Alerts to Reduce Write-Offs
Remarketing Recommendations That Maximize Recovery Yields

AI-Powered Lease Accounting Software Trained in Your Environment

Banks and Credit Unions

Launch operating, finance, or balloon lease products with policies-as-code for pricing, residuals, and classification. timveroOS connects to core, GL, DMS, and insurance systems. Audit-ready schedules, mid-term events, and EOT reporting keep risk and finance aligned, while operations reduce manual effort and scale efficiently.
Independent Lessors and NBFIs

Manage multi-asset contracts, maintenance plans, and vendor SLAs in one governed system. Booking, servicing, mid-term events, and end-of-term remarketing run straight-through in timveroOS. APIs and SDKs keep ERP, DMS, and banking integrations clean, while dashboards provide visibility into exposures, residuals, and portfolio performance.
Captive and Vendor Finance Arms

Equip dealers and OEMs with portals for quote-to-contract, subventions, and inventory tie-ins. Delivery and approval workflows are embedded end-to-end. timveroOS enables product iteration at speed — supporting new structures, residual policies, or partner programs, without waiting for a vendor roadmap or losing ownership of data and releases.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
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90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
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100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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