Oracle Lease and Finance Management provides the ability to grow

revenue with new products and markets, improve controls to manage risk Key Features
while increasing margins, and build long-term relationships with customers,
vendors, investors and manufacturers. Unlike other products that generate GROW REVENUE WITH NEW
fragmented data using obsolete technology, Oracle Lease and Finance PRODUCTS AND MARKETS
Management is built on a “single source of truth” architecture that enables Offer full suite of configurable
equipment finance companies to share common information to make smart financial lease and loan products
to meet unique customer
decisions across their enterprise. financing requirements across
multiple regions or countries
POSITION FOR GROWTH THROUGH OPERATIONAL EXCELLENCE • Operating Leases

Executives in the equipment leasing industry face increased competition with the threat of customers • Direct Finance Leases
moving to competitors that put pressure on revenue growth, while increased product commoditization • Sales Type Leases
puts pressure on margins and the acceptance of higher risk. Unfortunately, complex integration of
• Fixed Rate Loans
niche software applications and customizations result in rigid IT infrastructures that cannot adapt well
• Variable Rate Loans
to resolve these pressures.
• Revolving Loans

SHARE INFORMATION & MAKE

SMART DECISIONS THROUGH
SINGLE SOURCE OF TRUTH
ARCHITECTURE
Access all the information you
need to in one system to work
with customers, funding sources
and accountants to manage:
• Customers, vendors and
investors

• Contracts and agreements

• Assets
Figure 1. Manage your lease and loan at both the contract and asset level
• Investment pools & portfolios

Disclaimer: This document is for informational purposes. It is not a commitment to deliver any material, code, or functionality, and should not be relied
upon in making purchasing decisions. The development, release, and timing of any features or functionality described in this document remains at the sole
discretion of Oracle.

1 DATA SHEET / Oracle Lease and Finance Management

 Oracle Lease and Finance Management is designed for equipment financiers with a full suite of • Contract balance sheets and
configurable financial lease and loan products to meet unique customer financing requirements reconciliations
across multiple regions or countries. The solution is built on a “single source of truth” architecture that
enables finance companies to share common information, make smart decisions and seek solutions
EXPAND INTO NEW MARKETS
to meet the business pressures to drive portfolio growth through improved customer satisfaction and
• Automatic Multi-GAAP to
retention that generates repeat business and up-grade opportunities. You have the flexibility to
account for transactions
implement efficient operating controls with configurable, automatic processes to manage risk and
according to the standards
control operations that enforce policy while reducing operating and statutory risk and costly required by each country in
inefficiencies. which you do business

GROW REVENUE WITH NEW PRODUCTS AND MARKETS • Define currencies and exchange
rates to maintain contracts
OFFER NEW PRODUCT AND SERVICES
transacted in different
To survive and grow in this highly competitive marketplace where products are commodities, currencies in one portfolio
equipment lessors and lenders must be able to adapt their financial products easily to meet the • Comply with diverse and
unique needs customers in new markets and regions. Oracle Lease and Finance Management complex accounting regulations
provides flexibility to support your business in an ever-changing market. Leverage the power of using robust and flexible
configurable financial products to arm your sales force with the tools they need to grow your portfolio. accounting tools
Flexible tools let you quickly configure the terms and conditions you want to offer to the market in the • Automatically represent a single
form of financial products or services. You can configure the terms and conditions of an unlimited transaction in multiple
number of financial products and associate the appropriate financial product to a contract to govern accounting representations
the execution of fixed and variable rate contracts. according to your specified
standards
EXPAND INTO NEW MARKETS • Configure tax parameters to
calculate, collect and remit
With the globalization of your enterprise comes the need to manage transactions and account for
transaction-based taxes in
them according to the standards required by each country in which you do business. Oracle Lease compliance with leasing specific
and Finance Management allows you to maintain contracts transacted in different currencies in one tax regulations across multiple
portfolio by defining transactional currencies and exchange rates, selecting a transactional currency, legal entities, operating units
and defining the conversion basis when you create a contract. At month end, Oracle Lease and and tax jurisdictions
Finance Management enables you to adhere to diverse and complex accounting regulations with
robust and flexible accounting tools. Automatic Multi-GAAP enables you to convert accounting for STANDARDIZE CONTROLS TO
contracts and transactions in one region using accounting principles in another region automatically. MANAGE RISK & INCREASE
Multi-ledger functionality allows you to represent a single transaction in multiple accounting MARGINS
representations according to your specified standards. A common infrastructure is used to configure
• Standardize & control business
tax parameters that calculate, store, collect and remit transaction-based taxes in compliance with
processes to reduce risk
specific leasing and lending tax regulations across multiple legal entities, operating units and tax
• Dramatically Improve Efficiency
jurisdictions.
to Reduce Cost
PROVIDE BUNDLED PRODUCTS, CONSUMABLES AND SERVICES • Validate contracts automatically

Many equipment finance companies are in the business of providing full solutions to their customers, • Comply with and approve credit
including equipment, services and consumables. Bundling products, services and consumables for and funding checklists
one price, billed in one invoice, can simplify negotiations with customers while making it more difficult • Contract templates streamline
for competitors to compete on price. While multiple divisions in different regions may sell to the same authoring process, increase
account, many organizations want to present a single company image to their customers. Oracle accuracy, maintain control and
enforce policy
Lease and Finance Management enables companies to bundle service fees and charges for
consumable products with equipment rent charged by different business units in a single invoice. You
have great flexibility to group invoice details for rent, fees and services to meet your internal policy or OPTIMIZE BUSINESS
customer requirements. RELATIONSHIPS

STANDARDIZE CONTROLS TO MANAGE RISK AND INCREASE MARGINS • Manage relationships with your
STANDARDIZE & CONTROL BUSINESS PROCESSES TO REDUCE RISK customers with self-service &
shared service centers
Finance companies are frequently frustrated by inflexible systems that were not designed to work
together. Oracle E-Business Suite’s Lease and Finance Management solution provides standard and

2 DATA SHEET / Oracle Lease and Finance Management

 configurable processes that manage and control your entire lease and loan portfolio. These • Define vendor programs to
processes help you re-engineer and automate processes to optimize the end-result. manage agreements with
vendors
Accounting for lease and loan transactions must conform to accounting principles and standards that • Manage contracts through the
vary from region to region worldwide. Oracle Lease and Finance Management provides a full contract lifecycle with vendor
comprehensive accounting tool set that includes a powerful rules-based accounting engine that agreements
allows you to define the proper accounting for each financial product, a trial balance by contract, • Define operating agreements
reconciliation reports, and drill-down capability from journal entries to the original transactions. with partners

• Manage complex investor

DRAMATICALLY IMPROVE EFFICIENCY TO REDUCE COST
agreements with an unlimited
Administrative costs are among the highest expenses of an asset-based finance company. number of investors for
Integrating and streamlining traditionally labor-intensive processes, reduces time and lowers syndication and securitization
administrative costs. Integrated sales and contract origination tools enable efficient processes that • Use a wide variety of attributes
improve your bottom line and free valuable resources to focus on corporate objectives. Oracle Lease for customers, contracts, and
and Finance Management uses productivity tools, such as templates, contract copying capabilities, assets to manage receivable
pools associated with an
quality-control validation, and data import to capture contract information, account for transactions
investor agreement
and track leases, loans, and assets details. By using master agreements and financial products, you
enter contract terms and product data only once, but use them over and over again, streamlining the
contract origination process. COMMAND CENTER
• Increase productivity by
OPTIMIZE BUSINESS RELATIONSHIPS providing the user with
To meet increased competition, successful equipment lessors and lenders strive to maintain strong information they can focus on
what needs to get done
relationships with their customers. Close relationships with dealers, vendors and investors are
important to provide services and to meet funding requirements. Oracle Lease and Finance • Review summarized and
Management offers a full range of finance related agreements, including vendor programs, operating detailed information in one place
agreements, and investor agreements, that enable you to manage relationships with all of your • User Alerts to identify problem
partners. The result is your ability to fund portfolio growth and deliver a higher level of service at a areas and act on time
lower cost. • 360° view of vendor cash flow
from Receivables, Payables and
MANAGE RELATIONSHIPS WITH YOUR CUSTOMERS payments
It costs more to attract and win new relationships with customers than to maintain the ones you have.
To maintain the customer relationships, finance companies must provide quick, informative, and
accurate information. Oracle Lease and Finance Management provides a call center with a 360-
degree view of the customer including, but not limited to, assets, accounts, contracts, receivables,
and payables. The call center is integrated with Oracle’s Interaction Center to route inbound calls,
and Oracle’s Collections module to manage outbound collection activities. In addition, self-service
account management is available to support your customers while reducing the administrative costs
of serving them. With customer self-service, your customers can perform many of the administrative
functions that your call agents traditionally handled. Customers can review their asset information,
invoices, request termination quotes, update bill-to sites, make payments, and more. All the
processes are workflow driven that give you ultimate control by automatically enforcing contract and
business rules.

MANAGE RELATIONSHIPS WITH VENDORS

Equipment lessors and lenders must maintain complex relationships with multiple parties including
manufacturers, vendors, and dealers as well as their customers. Vendor programs manage the terms
and conditions that govern the responsibilities of multiple parties participating in a lease or loan
transaction. Vendor program terms and conditions play a significant role in driving the creation,
management, and execution of the lease or loan. Oracle Lease and Finance Management lets
vendors and manufacturers independently view and update certain information on vendor programs
and the associated lease contracts with vendor self-service. With vendor self-service, authorized
vendors can view and request updates to information on lease or loan contracts, program

3 DATA SHEET / Oracle Lease and Finance Management

 agreements, and transactions without the need to contact your call center agents. Vendors can
review their invoices, request termination quotes, update bill-to sites, make payments, and more. Key Benefits
Oracle Lease and Finance
Disbursement transactions to your vendors must be accurate, auditable, controlled and traceable.
Management offers the following
Inefficient processes to receive, record, track and reconcile supplier invoices increase the manual
benefits:
effort required and the cost to manage disbursements operations, which impacts your profitability.
• Position for growth through
Maintaining multiple banks and accounts manually can result in errors and costly rework when
operational Excellence
processing payables transactions. Oracle Lease and Finance Management disbursement processes
enable you to group requests for payment from customers by supplier, calculate the tax associated to • Grow Revenue through new
products and markets
the disbursement amount, and to create supplier invoices automatically based on defined rules.
Agree with your supplier on the type of transactions that should be grouped on a single invoice with a • Standardize controls to manage
single tax date. Then define the payment processing details that automate the disbursement payment risk and increase margins
process, including selection of the bank account, check number and handling of VAT or other taxes • Optimize business relationships
payable for the payable invoice. capabilities to improve cost
performance
MANAGE END OF TERM OPPORTUNITIES
Once equipment is delivered to customers, multiple business units, for instance service, finance and RELATED PRODUCTS
remarketing divisions, need to track equipment through the asset life to capitalize on post-sales Oracle Lease and Finance
revenue opportunities. Oracle E-Business Suite and Oracle Lease and Finance Management enable Management is integrated with
multiple business units to know the quantity of assets in service and their location. When a lease the following products:
contract expires, the service division can continue to track and maintain the equipment. When a • Oracle Assets
leased asset is terminated due to trade-ins or upgrades by the finance division, the remarketing
• Oracle Advanced Collections
division can continue to track off-lease assets without interruption. As equipment is returned, the
remarketing division can group equipment coming off-lease into units that meet their needs to sell, re- • Oracle Credit Management
lease or scrap the assets. • Oracle eBTax

• Oracle General Ledger

MANAGE RELATIONSHIPS WITH INVESTORS
• Oracle Install Base
Strong relationships with investors are critical to ensure you have the funding required to finance
• Oracle Inventory
continued growth. Oracle Lease and Finance Management gives you powerful tools to manage
complex investor agreements. You can setup an agreement with an unlimited number of investors, • Oracle iStore
each with a defined stake and sharing percentages and link this agreement to a lease contract. Then, • Oracle Payables
create and manage syndication and securitization agreements using the investor agreement
• Oracle Receivables
functionality to manage billing and receipt of the investment, cash disbursement to investors, and
• Oracle Sales Online
communication of critical information. You can create a pool of future receivables using a wide variety
of attributes for customers, contracts, and assets and link this receivables pool to an investor • Oracle Service Contracts
agreement. Once the investor agreement is created, Oracle Lease and Finance Management
manages disbursements to the investors and uses the investor agreement terms and conditions to RELATED SERVICES
manage the lease or loan contract.
The following services are
available from Oracle Support
ORACLE LEASE AND FINANCE MANAGEMENT COMMAND CENTER
Services:
The Oracle Lease and Finance Management Command Center provides actionable insights to
• Oracle E-Business Suite
empower lease personnel to drive revenue generating activities, reduce investment in leases, and Accelerators
improve operational efficiency, all without custom operational reporting. With tools and visualizations
• Oracle On-Demand
such as actionable indicators, interactive charts, and consumer-like search and filters, users can
browse and drill on whatever captures their attention, revealing new information on which to base • Product Support Services
next discovery steps. Through this "information-driven navigation", users can quickly narrow in on • Update Subscription Services
priority transactions and take immediate, informed action. • Oracle Consulting Services

The Oracle Lease and Finance Management Command Center is available at no additional cost to
licensed users of Oracle Financials and Oracle Lease and Finance Management Release 12.2.4 and
above.

4 DATA SHEET / Oracle Lease and Finance Management

 Figure 2. Vendor Cash Flow Dashboard

ORACLE E-BUSINESS SUITE—THE COMPLETE SOLUTION

Oracle E-Business Suite enables asset-based lenders to efficiently configure lease and loan products to
grow revenues in one system, manage customer, vendor and investor relationships, control operating
costs and manage credit, operational and statutory risk - all from applications that are built on a unified
information architecture. This information architecture provides a single definition of your customers,
vendors, suppliers, employees, and financial products - all aspects of your business. Oracle E-Business
Suite enables you to share unified information across your entire lease and loan enterprise so you can
make smarter decisions with better information.

5 DATA SHEET / Oracle Lease and Finance Management

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6 DATA SHEET / Oracle Lease and Finance Management