Hire Purchase Portal

Business

Company Profile — your business details & logo

These details brand every document your customers receive (quotations, receipts, applications, contracts, statements). The ECB logo stays on the portal and manuals only.

Company name *

Trading as / short name

Registered / physical address

City / Town

Country

Company reg number

Phone

Representative (signs contracts)

Signatory position / title (printed under the name)

Sales email

Accounts email

Support email (shown on the public application form's "Need help?" panel — blank uses the Sales email above)

Receiving bank accounts (printed on every contract)

Add all the company accounts customers may pay into. These appear on the agreement.

Mobile money options

Company logo (PNG/JPG — appears on all customer documents)

⚠ No logo uploaded yet — customer documents print without one.

Authorised e-signature (PNG/JPG — printed above the signatory name on the offer letter & documents)

⚠ No signature uploaded yet — the Offer Letter and other documents print with blank space where it would go.

Note for this save (optional — shown against the version this save creates, e.g. "corrected ZB Bank account number")

Version history

Every save is kept as a numbered version — the same protection the Scoring Engine's model editor has. Restoring an earlier version (including the receiving bank accounts and mobile-money options as they stood then) does not delete anything; it is recorded as a new version, so the history only ever grows.

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Change register

Every change to the company profile is recorded here — especially the bank accounts and mobile-money options that print on your contracts. Shows what changed, who changed it, when, and the reason given when a banking detail is removed.

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Business

Billing Model — Admin & MD only

Phase 1 of the Monthly Billing Model build (see docs/specs/BUILD_SPEC_monthly_billing_model.md). Switching to Monthly here has no effect yet — the schedule engine itself (Phase 2) hasn't shipped. This screen exists so the settings are in place ahead of that. Nothing already granted is ever affected by anything on this screen, at any phase — only a schedule computed for the first time AFTER the engine ships is affected.

Billing model

Cutoff day (Monthly model only — grants on/before this day get the smaller first-stub scenario; after it, the larger one)

Commencement offset (calendar days) (the facility's schedule starts this many days after the grant date — applies to Anniversary and Monthly billing alike. Strictly derived, not editable per-deal.)

Switching to Monthly is a single Admin/MD action. Switching back to Anniversary, once Monthly is active, requires two different Administrator-role users to approve — this is a deliberate policy control, not a bug, per the Monthly Billing Model handover note §1.

Business

Finance Rate & Tax

Base finance charge % p.a.

Margin % p.a.

Effective rate % p.a. (base + margin)

Method

Interest day-count basis (governs the first/final stub period's finance charge — the regular instalment can also shift by a few cents, since the stub's day-count feeds the amortisation period count)

Year days (derived, read-only)

Regular instalment count basis (the day-count basis above also feeds how many periods the regular instalment is priced over — this either follows that same basis, or stays pinned to Actual/365 weighted. Under REDUCING this fully fixes the regular instalment regardless of the basis above; under FLAT its interest portion can still shift a little, since FLAT splits one fixed total-interest pool between the stub and the regular instalments)

Amortisation model (REDUCING only) (Convention A: stub extracts its own proportional capital first, then the regular instalment is re-solved over the remaining period count — prices to exactly the stated nominal rate. Excel-Aligned: matches "Loan Calculator Template v7.2" exactly — a flat full-term PMT that never varies with stub length, with a hard-coded 30-day-month stub; day-count basis and the pin toggle above don't apply to it. Excel-Aligned runs a shade above the stated nominal rate — use only for deals being reconciled against that workbook)

VAT %

VAT registration status

Application fee tax treatment

Business

Tenor Markup & Cost of Credit

IFS selling price — tenor markup & cost-of-credit cap

The markup is applied to the entered dealer price to give the IFS selling price (the price of record for the deal). Set a markup per tenor band so shorter repayment periods can be priced with a lower markup as a promotional incentive. Each tenor below is the upper bound of its band: its rate applies to every tenor above the previous band up to and including it (e.g. a 5-month deal takes the ≤ 6-month rate, an 11-month deal takes the >9–12-month rate). The longest band also covers anything longer. A band left at 0 — and cash deals, which have no tenor — attract no markup. Every quote still discloses the effective all-in cost of credit and is checked against the cap below.

Tenor markup promotion

Tenor band

Markup %

Staged — remember to Save & push.

Enabled hire-purchase tenures (tick which tenors are offered on the quote, application and approval screens)

6 months 9 months 12 months 18 months 24 months 30 months 36 months 48 months 60 months

All-in cost-of-credit cap % p.a. (effective rate incl. own fees)

When a quote exceeds the cap

Business

Deposits & Admin Fee

Deposits & admin fee

Deposit % — new

Deposit % — pre-owned

Admin % (reducing bal.)

Business

Fees & Stamp Duty

Establishment, fees & stamp duty

Establishment % (rate applied to the dealer price)

Establishment fee treatment

Deposit basis (when establishment is capitalised)

New quote default — payment presentation

The sales officer can still switch this per deal at the approval step regardless of this default.

HP application fee $

Handling fee $

Early-settlement fee $ (flat)

Stamp duty $ (fixed, upfront)

Offer life cover to clients?

Business

Insurance & Life Cover

Insurance & life cover

Insurance % p.a. (on car value)

Insurance basis

Life cover % p.a. (reducing bal., no VAT)

Life cover billing

Business

Vehicle Tracking

Vehicle tracking

Tracking installation $ (charged to the client)

Tracking monthly $ (charged to the client)

Tracking installation — supplier cost $ (IFS's own cost — default for every vehicle, still editable per-vehicle at Processing)

Tracking subscription — supplier cost $/mo (IFS's own cost — default for every vehicle, still editable per-vehicle at Processing)

Tracking subscription invoicing

Arrears: the customer's tracking subscription is not charged at signing — every instalment, including the last, carries its own month's tracking. Advance: one month is collected upfront at signing, so the final instalment carries no tracking. Either way the monthly tracking-subscription invoice to the vendor is raised automatically on each instalment's due date, worded for the period this setting describes. Applies to the tracking subscription only — the once-off tracking installation fee above is always charged at signing.

Email recurring tracking invoice to client?

The recurring monthly tracking-subscription invoice always goes to accounts. This only controls whether the client also gets a copy — the once-off invoice at signing (installation + first period) is unaffected and always goes to both.

Email recurring finance-charge invoice to client?

Monthly Billing Model only: the recurring monthly finance-charge invoice always goes to accounts (for Klipboard posting). This controls whether the client also gets a copy — the amount and due date already appear on the client's own Instalment Schedule either way.

Business

ZINARA, ZBC & Statutory Terms

ZINARA — vehicle weight bands

Charged by vehicle weight band (per ZINARA's published schedule), not by body type. Bands are fully editable — add, rename or remove one — and every catalogue vehicle must have a weight band selected (Dealerships & Suppliers → Manage Vehicle Catalogue) or it silently carries no ZINARA charge. USD only — convert any ZWG billing outside the system and keep these as the USD figures that flow into every quote and contract.

Change register

Every save that actually changes a figure is recorded automatically below (band, old → new, who, when). Nothing to click separately.

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ZBC radio & TV licence

Same band-per-term layout as ZINARA above — one row per payment term, one column each for Individual and Corporate. Business Rules ▸ Statutory Payment Terms (below) decides which of these are actually offered on a quote.

12 months (yearly)

4 months

6 months

8 months

10 months

ZBC default client type

Statutory payment terms

Which ZINARA/ZBC payment-term options are offered at all. Comprehensive insurance is not part of this table — it's value-based (a % of the vehicle price), so it simply pro-rates automatically by whichever term is selected (term ÷ 12); there's nothing to configure for it. A quote can only choose a ZINARA/ZBC term that's both enabled here AND evenly divides its own loan tenure (e.g. an 8-month loan can only offer 4mo or 8mo, never 6mo or 10mo) — if only one enabled term qualifies, it's locked; if more than one does, the client/officer picks.

ZWG / RBZ mid-rate

ZWG rate (1 USD = ? ZWG, for the statutory ZWG invoice)

RBZ mid-rate is entered manually here (and per quote on the quote screen). There is no automatic daily fetch. Each change to the rate above is recorded in the auditable register below — who set it, when and the rate used.

RBZ / ZWG mid-rate register

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Business

Financed amount limits

Max financed — end-user (public) $

Max financed — staff (logged in) $ (0 = no limit)

Min financed — all quotes $

A quote outside these limits is flagged on the quote screen. End-users (not logged in) use the public maximum; logged-in staff use the staff maximum (0 means unlimited).

Business

Credit & guarantor

Minimum FCB / CRB rating (0–5) (a guarantor is required below this)

Public portal URL (used for links emailed to applicants — leave blank to use the current address)

Minimum applicant age (years)

Maximum applicant age (years)

Maximum pre-owned vehicle age (years)

Applications outside the applicant age range are a hard stop on the public application (the Personal Details step and submit are both blocked). The vehicle age limit controls both the "Year of manufacture" choices offered on the Quote/Application screens and the credit score's hard decline for an over-age vehicle — the two can no longer drift out of sync.

Amber (REVIEW) → require guarantor (cure for an amber credit score)

Amber (REVIEW) → require additional deposit (engages only when ‘require guarantor’ is No)

Require automatic FCB result before proceeding (only applies when FCB search is On, under Messaging → FCB Credit Bureau)

When FCB search is On, Preliminary Vetting fires the bureau check automatically as soon as Policy Vetting (APF1) is signed off — no button click needed (staff can still re-run it manually if needed). Once it completes, the reference, rating and comment fields are filled in automatically and locked. If it hasn’t completed yet when the sales officer reaches this step: No lets them enter the FCB/CRB rating manually instead (the application is flagged, and this is visible on the pipeline and in the approval trail, so approvers know it wasn’t the automatic result); Yes blocks sign-off until the automatic result actually lands.

Vehicle inspection — Fair Performance (2026-08-26: AA inspection/CBCA fitness)

Vehicle inspection — Fair Condition

AA rep name

AA rep email

AA rep phone

A Poor Performance or Condition rating on the AA inspection (pre-owned) / CBCA fitness report (new) is always a fail — the vehicle must be changed before the contract can be signed or the vehicle handed over. A Fair rating on either axis follows that axis's own policy above — Performance and Condition can be set differently. The AA rep is notified (coordination only, not a request to inspect) alongside the Commercial Manager whenever the dealer is instructed to deliver a vehicle for inspection.

During Preliminary Vetting the sales officer enters the FCB/CRB rating. If it is below this minimum, the application is flagged as requiring a guarantor: the guarantor section then appears on the application form (on reopen) and guarantor details/documents are required before hand-off to Credit Analysis. When the v7 credit score returns Amber (REVIEW), the cure follows the policy above: with require guarantor = Yes the client is sent a guarantor link and the deal is held; with No, the amber deal proceeds to Credit Analysis with an audit note for the Credit Manager — it is not treated as a pass. The additional-deposit cure engages only when the guarantor cure is off: on an amber score the system computes the smallest deposit top-up that would lift the score to green, emails/SMSs the client a link to agree to it, and holds the deal; once they confirm, it drops back to the Sales Officer to re-quote and recompute — the hold clears when the amber does. If no deposit can clear the amber, the deal proceeds with the same audit note.

Business

Industry risk classifier

Classify each Employer Industry as Low-risk or High-risk — this drives the Industry factor in the v7 credit score. Add your own industries; every industry listed here also becomes selectable in the Employer Industry dropdown on the application form. Nothing is hardcoded.

Update, Add and Remove each require a second Administrator/MD to approve before the change is pushed to clients — see Settings ▸ Pending Approvals.

Business

Income Nature — stability classifier

Map each Nature of Income option to an income-stability band (Stable or Irregular) — this drives the Income Stability factor in the v7 credit score (the points each band earns are set in the Scoring Engine editor). Tag each option for Employed, Self-employed or Both; it becomes selectable in the matching Nature of Income dropdown on the application form. Anything not listed here is treated as unmapped and flagged rather than scored. Nothing is hardcoded.

Update, Add and Remove each require a second Administrator/MD to approve before the change is pushed to clients — see Settings ▸ Pending Approvals.

Business

Scoring Engine — v7 model editor

Retune the Invarium 5-Cs credit model: segment & factor weights, the points each rating band earns, the decision bands (grade thresholds), and the hard knock-out rules. Changes need a different Administrator/MD to approve before they take effect (see the Pending Approval panel below) — once approved, they're saved as an override and take effect on the next score/recompute. Every approved change is kept as a numbered version with a summary of what changed — you can propose restoring any earlier version (including the built-in v7 default) from the history at the bottom of this panel. Weight groups should each total 1.00 (shown live).

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Business

Penalty finance charge on overdue accounts

Charged automatically at end-of-day, daily, on top of the normal finance charge, on any instalment still overdue once the grace period has lapsed. Posted to a penalty ledger per facility, emailed to Accounts and exported as XML for Klipboard posting — see Back Office → Penalty finance charge.

Penalty rate % per month (pro-rated daily, added to the normal finance charge)

Grace period — days overdue before penalty starts

Automatic daily penalty run

Business

Vehicle service follow-up

The financed vehicle must be serviced every interval below. The system reminds the assigned sales officer by email to confirm with the client that the vehicle has been serviced, for as long as the facility is on the book — see the Vehicle Service Tracking panel on each Hire Purchase facility.

Service interval (km)

Officer follow-up frequency (days)

Automatic follow-up reminders

Business

Business rules

Insurance providers

The list the Insurance Officer (and vehicle-handover capture) picks from. Choose one as the default — it is pre-selected on the Insurance section. The email against each insurer auto-fills "Insurer email" on the Stage 1 vetting screen — no profile/login needs to be created for the insurer, this is just where their referral inbox is kept.

Show rate/fee breakdown pills to the client (Finance step)

Controls the row of Finance/Admin/Establishment/ZINARA/ZBC/Life-cover pills on the customer Finance step of the quote. Staff always see the full breakdown on the pipeline.

Insurance, tracking, ZINARA and ZBC are confirmed after approval and verified on the electronic vehicle handover sheet — not at approval.

Business

Hire Purchase Terms & Conditions

Shown to applicants when they click the "Hire Purchase Terms & Conditions" link on the declaration step. Leave blank to use the built-in default wording.

Business

Document Templates — Contract & Offer Letter

Customise the wording of the two documents a client signs. Leave any box blank to use the built-in default wording. Figures, dates, names and the payment schedule are always filled in automatically — only the surrounding wording is editable here.

Hire Purchase Agreement (the full contract)

This is the complete on-screen/printable agreement signed at Handover. Use the placeholders below anywhere in the text — each is replaced with the real value when the contract is opened for a specific deal.

Available placeholders (click to expand)

{{SELLER_NAME_UPPER}} {{SELLER_SHORT}} {{SELLER_REG}} {{SELLER_ADDR}} {{SELLER_REP}} {{SELLER_REP_UPPER}} — your company
{{BUYER_NAME}} {{BUYER_ID}} {{BUYER_ADDR}} — the client
{{START}} {{END}} {{TERM}} {{PLACE}} {{SDATE}} — dates & term
{{CASH}} {{DEPOSIT}} {{BALANCE}} {{FINCHG}} {{TOTALHP}} {{MONTHLY}} {{NINST}} — figures
{{UPFRONT_BLOCK}} {{RECURRING_BLOCK}} {{SCHEDULE}} {{ACC_BLOCK}} — auto-built tables (upfront costs, recurring charges, payment schedule, banking details)
{{MAKE}} {{MODEL}} {{YEAR}} {{COLOUR}} {{BODY}} {{VIN}} {{ENGINE}} {{ODO}} — vehicle
{{SIG_SELLER}} {{SIG_BUYER}} {{SIG_W1}} {{SIG_W2}} — signature images (or a blank line if unsigned)

Acknowledgement of Debt

Signed alongside the Hire Purchase Agreement (same on-screen sign/print flow). Use the placeholders below anywhere in the text.

Available placeholders (click to expand)

{{DEBTOR_NAME}} {{DEBTOR_DOB}} {{DEBTOR_ID}} {{DEBTOR_RES_ADDR}} {{DEBTOR_BUS_ADDR}} {{DEBTOR_PERSONAL_TEL}} {{DEBTOR_BUS_TEL}} — the debtor
{{SELLER_NAME_UPPER}} — your company
{{AGR_DAY}} {{AGR_MONTH}} {{AGR_YEAR}} {{PLACE}} {{SDATE}} — dates
{{AGGREGATE_FIGURE}} {{BANK_DETAILS}} {{SCHEDULE}} — figures & auto-built tables
{{SIG_DEBTOR}} {{SIG_W1}} {{SIG_W2}} — signature images (or a blank line if unsigned)

Letter of Offer

Offer validity window (calendar days)

The single window, from the Offer Issuance Date, within which the Applicant must both sign and pay the deposit & upfront fees in full. This same figure also drives when a granted-but-unsigned facility is auto-flagged OFFER EXPIRED (Back Office ▸ Facility back-office tasks) and the reissue window it recomputes against (Settings ▸ Billing Model ▸ Commencement offset shares this figure by convention, but is a separate setting).

The Letter of Offer is always sent to the client the moment a facility is granted — this is no longer optional, since the Offer Issuance Date is the anchor for both the Validity Period and the Contract Commencement Date (Settings ▸ Billing Model).

Facility Lifecycle Expiry

Quote expiry — no application (days)

A quote left with no application submitted for this many days is auto-flagged EXPIRED (terminal — the officer starts a fresh quote; there is no reissue or reinstate for a plain quote).

Offer expiry — granted, not signed

A granted facility whose offer isn't signed within the Offer validity window above is auto-flagged OFFER EXPIRED — dormant and view-only, interest accrual stops. Staff may reissue the offer from the facility screen, which recomputes the schedule from today. (This is distinct from "Reinstate" under Recovery — the Section 15 statutory reinstatement of an already-disbursed, repossessed facility.)

Both checks run as a background job (the same cycle as reminders/penalties) and email/WhatsApp both the client and accounts when either fires.

The full Letter of Offer wording — facility summary, conditions precedent, validity, statutory rights, acceptance — is editable below. Leave blank to use the built-in default. Figures (deposit, charges, schedule) and the banking/acceptance-signature blocks are always filled in automatically at the matching {{BLOCK:...}} marker; only the surrounding wording is free text.

Available placeholders (click to expand)

{{ASSET}} {{CASE_REF}} {{APP_DATE}} {{SELLER_NAME}} {{OFFICER_NAME}} {{CUSTOMER_CODE}} — text fields
{{VALIDITY_DAYS}} {{VALIDITY_DAYS_ORDINAL}} — from the day count above (e.g. "3" and "3rd")
{{BLOCK:FACILITY}} {{BLOCK:UPFRONT}} {{BLOCK:RECURRING_MONTHLY}} {{BLOCK:RECURRING_ANNUAL}} {{BLOCK:RECURRING_ONCE}} {{BLOCK:DISCLOSURE}} {{BLOCK:BANK}} {{BLOCK:ACCEPTANCE}} — auto-built tables/sections, each must be alone on its own line/paragraph

Insurance Referral (sent to the insurer at Stage 1 vetting)

The wording of the referral emailed/downloaded from the Stage 1 vetting screen's "Send to insurer" button is editable below. Leave blank to use the built-in default. The applicant, vehicle and captured-insurance tables are always filled in automatically at the matching {{BLOCK:...}} marker; only the surrounding wording is free text.

Available placeholders (click to expand)

{{CASE_REF}} {{PREPARED_BY}} {{PREPARED_DATE}} — text fields
{{BLOCK:APPLICANT}} {{BLOCK:PREVINSURER}} {{BLOCK:COVER}} {{BLOCK:VEHICLE}} {{BLOCK:OTHERVEH}} {{BLOCK:DRIVERS}} {{BLOCK:QUESTIONS}} {{BLOCK:INSURANCE}} — auto-built tables, each must be alone on its own line/paragraph. Fields the application doesn't capture show as "—" for the insurer to confirm directly with the applicant.

Business

Vehicle registration / excise (once-off on signing)

Pre-owned uses the ZIMRA special-excise grid by age & engine capacity; new vehicles use the flat figure. All editable. Every catalogue vehicle must have a CC band set (Settings → Dealerships & Suppliers → Manage Vehicle Catalogue) — this is the exact same band list used below, so a quote can never miss this charge through a typo or mismatch.

Charge excise duty — New vehicles

Charge excise duty — Pre-owned vehicles

Business

Dealerships & Suppliers — vehicle price lists & codes

Maintain the dealers / suppliers you source vehicles from, each supplier's vehicle price list, and the stock / vehicle codes. Vehicles added here appear in the “Dealership / supplier” picker on the quote screen and auto-fill the price and code.

Business

Vehicle catalogue

Every vehicle in the shared catalogue, independent of any dealer — edit a model/variant/condition in place, remove one outright, or add a new one. A dealer separately ticks which of these it offers under Dealerships & Suppliers.

Search

+ Add a new vehicle

Make

Model

Variant

Body

Condition

Fuel

CC band *

ZINARA weight band *

People & Access

Staff session security

Staff are signed out automatically after this many minutes of no activity (no mouse, keyboard, or screen taps) — to stop a logged-in screen being left open and unattended.

Idle auto-logout (minutes)

Customer AI Assist — verified session

After a customer verifies with a one-time code on the public assistant, their secure session lasts this long. It ends at the absolute limit, or sooner after inactivity.

Verified session length (minutes)

Verified session idle timeout (minutes)

People & Access

Approval Process — levels, positions & limits

A facility needs sign-off from every level up to the band its amount falls into. Rename a position to your own title; it stays linked to a built-in role that controls permissions. "Notify" levels are emailed on grant but don't gate.

Operations Manager & Group CEO (when on, either one of these two roles alone satisfies BOTH positions in the chain, for any amount — a facility only needs one of them, not both in sequence. Off = today's behaviour, both required)

People & Access

Roles — rename & create

Rename any existing role, or create your own roles and choose exactly what each one can do. Custom roles appear immediately in the Add User and Edit User role lists. Approval-chain positions are still configured under Approval Process above.

People & Access

Password policy

Minimum password length

Password expiry

If expiry is on, days before a password must be changed

Require two-factor authentication for all staff (mandatory at login)

Item/account codes are used on the invoice and journal CSV exports so they import cleanly into Klipboard (Palladium); the same mapping will drive the API integration.

Data & Lookups

Klipboard / Palladium mapping (for exports & future API)

Debtors control account

Bank account

Data & Lookups

Account codes

Unearned finance charges

Finance charge income

Accrued interest income (receivable)

Unearned tracking income

Admin fee income

Inventory item — Vehicle

Early-settlement fee income

Penalty finance charge income

Unearned admin fee (liability)

HP payables (life/insurer)

Tracking payable

HP payables (general)

Item — Finance charges

Item — HP application fee

Item — Establishment fee

Item — Insurance (comprehensive)

Item — Life cover

Item — ZINARA

Item — ZBC

Item — Tracking install

Item — Stamp duty

Vehicle purchase orders — vehicles post to Klipboard under one code per condition (individual stock codes stay in the HP system for reports). The tracking vendor and dealers are the AP vendors the POs are raised against.

Klipboard code — Brand new (BN)

Klipboard code — Pre-owned (PO)

Tracking vendor code

PO sending

PO terms

Dealer vendor codes are set per dealer under Manage Dealerships. Vendor POs can only be sent by the Finance Manager.

Data & Lookups

Towns & Provinces — address lookup

The town → province list used to auto-fill Province on the quote and application. Edit the provinces (one per line), add towns, and reclassify a town by changing its province. A town not on this list still works — the applicant can type it and Province falls back to "Other".

Messaging

Email (SMTP) — set up sending

Enter these once and the system writes its own config file — no editing files by hand. Until completed, messages wait safely in the Outbox.

SMTP host

Port

SMTP username

"From" address

SMTP password

AI Assist — Anthropic API key

AI Assist model

Add an Anthropic API key to power the AI Assist help desk with Claude. Without a key, AI Assist still answers from the built-in guide.

Messaging

WhatsApp — set up sending

Enter these once and the system writes its own config file — no editing files by hand. Until completed, messages wait safely in the Outbox.

WhatsApp Business phone ID

WhatsApp token

Messaging

SMS — gateway set up

Enter these once and the system writes its own config file — no editing files by hand. Until completed, messages wait safely in the Outbox.

SMS gateway URL

SMS sender ID

SMS API key

Request format

Form POST sends to/message/sender/apikey as body fields — most older Zimbabwean bulk-SMS gateways accept this. JSON + Bearer sends a JSON body (phone/message/senderId) with the API key as an Authorization: Bearer header instead — use this for modern REST providers like OmniFlex.

Messaging

FCB Credit Bureau — subscriber credentials

Credentials for the Financial Clearing Bureau individual search. Held server-side only (never sent back to the browser). Once set and enabled, staff can run an applicant bureau check from the Processing screen. Company search is not yet available.

Enable FCB search

Subscriber email

Subscriber password

API base URL (leave blank for the default)

The base URL only needs changing to point at a sandbox. Leave blank to use the live FCB endpoint.

Integrations

Signature Pad — Wacom licence key

Lets clients sign in the office on a physical Wacom STU signature pad instead of the mouse/touch pad. Requires SigCaptX installed on the PC the pad is attached to (a free local bridge — see static/vendor/wacom/README.txt) and a Wacom-issued licence key, pasted below. Without a licence, or without SigCaptX running, signing still works exactly as before on-screen — this only adds the pad as an option. This field goes through the same second-approval check as other sensitive Settings changes.

Wacom licence key

Messaging

Reminders & messaging

Choose which channels carry reminders and when they go out. Messages are queued to the Outbox and sent by the channels configured above. Placeholders: {fn} {sn} {company} {deal} {amount} {due} {code} {dpd}.

Channels for reminders

Email SMS WhatsApp

Remind this many days BEFORE due (comma-separated)

Send overdue reminders at these DPD (comma-separated)

Due / upcoming templateOverdue templateDefault-detection template (HP-PA-001A — sent at DPD 1)

Recovery storage rate (USD / day)Section 15 redemption window (days)Insurer email (repossession notice — SOP 4.5)

Messaging

Notifications — enable / disable sending

Turn whole channels on or off, and switch individual notification points on or off. Anything left on continues to send (to the Outbox, then out via the channels configured above). A disabled item is simply skipped — the rest of the workflow is unaffected.

Resume-link one-time code channel

Auto-send queued notifications

Auto-send every (seconds)

When on, the system flushes the Outbox on a timer while the server is running, so notifications go out without pressing "Send queued".

Display

Footer

Text shown in the footer on every screen, next to the ECB International badge (bottom-right).

Display

Quote display, products & receipting

Default quote view

Allow sharing detailed quote?

"Get a Quote" section

"Apply Online" section

Show submission code on review screen (testing/demo — turn off in production once live messaging is connected; the code is still sent, and still shown on dev installs without messaging)

Products shown on the quote (tick the asset-finance products to offer; Motor Vehicle Financing is always available)

Receipting — Payment types (the list the cashier picks from. Name + credit account code for the export. "Client-linked" payments credit a client account; non-account ones post as income.)

Additional business sectors (one per line — added to the application's Sector list)

Additional licence endorsements / restrictions (one per line — added to the application's endorsements dropdown)

Display

Quick estimate calculator

Choose which sections appear in the Quick Estimate calculator on the quote screen. The summary cards (monthly payment, on-signing, financed, first due) always show.

Quotation Summary

Cost breakdown

Instalment Schedule

Display

Completed quote display (Your Quote screen)

Choose which sections appear on the client's Your Quote screen when a quote is completed. The summary cards (monthly payment, on-signing, financed, first due), the Your Quote document and the Get-my-quote / Apply actions always show.

Quotation Summary

Cost breakdown

Instalment Schedule

Cost of credit

Cost of credit: when a selling-price markup is active, hiding this panel still keeps the headline effective all-in rate and the cap notice on screen — only the detailed rows collapse — so the finance cost is never concealed inside the price. With no markup, Hide removes the panel entirely.

System

Logging

Every event is written as structured JSON to its own daily file under logs/ (e.g. logs/access_2026-07-30.jsonl) — browsable by date, never capped or silently dropped. The level below is a threshold: TRACE shows everything (most verbose), ERROR shows only failures (least verbose) — each level includes everything more severe than it.

Application log level

Internal events, business transactions, warnings and errors.

Access log level

HTTP/API interactions — path, response code, timing, client IP.

Security/Audit log level

Authentication, authorisation changes, and audit events — also recorded durably in the database.

Takes effect immediately, no restart required.

Audit trail

Who changed what, and when — company profile, rates & settings, roles & permissions, approval process, receipting banks, messaging/integration config, and user accounts. Password hashes and other secrets are never shown, only that they changed. Administrator only.

Search (user, action, detail)

Online quotes & applications are currently unavailable

Your Details

Vehicle Details

Finance Details

Quotation Summary

Payable on Signing (separate from monthly)

Monthly Payment Build-up (month 1)

Instalment Schedule

Are you qualifying for hire purchase and able to pay the instalments?

Invarium Financial Services

Quick Estimate

Please confirm a change to your application

Sign your Letter of Offer

HP Application — no quote selected

Guarantor additional documents

Income Details Please provide details of your employment and income.

Income Details Please provide details of your business and income.

Declaration & Submit

Invarium Financial Services

Hire Purchase Terms & Conditions

Pipeline — Quotes, Applications & Granted Agreements

Receipting

Reports & Exports

Recovery & Repossession

💬 Your account assistant

💬 AI Assist — help desk

Quick start

About

Guides & manuals

Administrator / technical

Back office

Facility back-office tasks

Operations

Collections & reminders

Accounting exports (Klipboard / Palladium)

Compliance & audit

Penalty finance charge

Users & Roles

Add user

Login activity

My Security — Two-factor authentication

Edit user —

Company Profile — your business details & logo

Receiving bank accounts (printed on every contract)

Mobile money options

Version history

Change register

Billing Model — Admin & MD only

Finance Rate & Tax

Tenor Markup & Cost of Credit

Deposits & Admin Fee

Deposits & admin fee

Fees & Stamp Duty

Establishment, fees & stamp duty

Insurance & Life Cover

Insurance & life cover

Vehicle Tracking

Vehicle tracking

ZINARA, ZBC & Statutory Terms

ZINARA — vehicle weight bands

ZBC radio & TV licence

Statutory payment terms

ZWG / RBZ mid-rate

Financed amount limits

Credit & guarantor

Industry risk classifier

Income Nature — stability classifier

Scoring Engine — v7 model editor

Penalty finance charge on overdue accounts

Vehicle service follow-up

Business rules

Insurance providers

Hire Purchase Terms & Conditions

Document Templates — Contract & Offer Letter

Hire Purchase Agreement (the full contract)

Acknowledgement of Debt

Letter of Offer

Facility Lifecycle Expiry

Insurance Referral (sent to the insurer at Stage 1 vetting)

Vehicle registration / excise (once-off on signing)