Small tickets.

Activation costs more than the ticket earns.

It does, if your team still enters the data, collects the documents, and chases what is missing.

Book 30 minutesHow we fix it for leasing

This application, as it happened. All actions recorded.

3-9-2026
Application started
  • Loan type: EnergyLoan
  • Type: Annuities
  • Origination: Partner123 (One Call API)
3-9-2026
Application submitted
  • Initial Interestrate: 5.2%
    Base provider: 3.2% EURIBOR 72M IRS on 3-9-2026, 20:22
    + 2% margin
  • Requested duration: 72M
  • Requested amount: € 22.000,-
3-9-2026
Initial KYC check
  • No potential PEP found (checked 4 persons)
  • No potential Personal sanctions found (checked 4 persons)
  • No No potential Company sanctions found (checked 2 entities)
  • 1 Match for a potential higher risk company activity (checked 5 activities)
  • Initial KYC risk: low
3-9-2026
Automatic creditrating
Checked with uploaded financials: B+
Requested amount unchanged
4-9-2026
Case picked up by Adrian
4-9-2026
Documents approved
  • Approved Proposal - Total Amount: € 27.750,-
    Description: "purchache and installation of battery system"
  • Approved Subsidy Statement - Total Amount: € 150.000,-
4-9-2026
Digital signers checked
4-9-2026
1 Security added
  • Type: First Lien
  • Discription: Battery system
4-9-2026
KYC manual review by Adrian
  • Score is confirmed to LOW
  • Reason: "Checked in with applicant. Very unlickly. Product offering is only a small part of activity discription"
  • Re-check will automatical happen on: 4-9-2031, 08:36 (5 years, low policy)
4-9-2026
Submitted for 4 eyes check by Adrian
  • Approved by Alice on: 4-9-2026, 09:54
4-9-2026
Loan structured
  • Approved amount: € 22.000,-
4-9-2026
Documentation generated
  • Contract
  • SEPA form
  • UBO statement
  • Subsidy statement
  • No Financial difficulties
  • Ammotization Table
4-9-2026
Documentation send out for signatures
  • Strategy used: ID validation or Idin + Scribble
  • Signers:
  • Rudolf signed on: 4-9-2026, 10:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: passport from NLD that expires on 2026-06-24
  • Sandra signed on: 4-9-2026, 15:18
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Hendrick signed on: 5-9-2026, 09:12
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Anton signed on: 5-9-2026, 17:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Transaction completed on: 5-9-2026, 17:56
5-9-2026
Purchache Order created
5-9-2026
Payment Order created
5-9-2026
Financial Transactions synced to Core system
5-9-2026
Audit proof generated
  • All steps completed, nothing unexpected
5-9-2026
14 Documents archived in DMS
  • De minimis declaration (2)
  • Invoice installation (2)
  • Contract (2)
  • Evidence document
  • Unsigned contract
  • Signed contract
  • Quotation (3)
  • Declaration of no financial difficulties (2)
  • SEPA mandate (2)
  • Signed Sepa mandate
  • Unsigned Sepa mandate
  • Attachment (1)
  • Repayment overview (1)

This application, as it happened. All actions recorded.

FSFEEnergiefonds DrentheEnergiefonds UtrechtStichting Waarborgfonds Sport

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If your team originates

That is effort they are not set up for.

Nobody wants to chase
Someone still has to. Sales support fills the gaps. That eats time, so throughput slows.
If you touch the deal, you lose
Entering, collecting, checking, and chasing eat the margin.

If you need these

Do not hire us.

  • Replacing origination for the whole company in one project. We start with one programme instead. Your core stays.
  • A consultancy report, an RFP, or an account executive. A small team built this and still runs it. You talk to them.
  • Putting your current forms online unchanged. For that programme, we change how origination works.

What we run

We run on your rules

The applicant completes the application, and your team only acts when judgement is needed.

We sit in front of your existing systems. We do not replace them. The first programme is most likely ready to test in less than 12 weeks. Connecting to your core might take longer.

1

Rules become yes or no

Documents, checks, and credit rules become steps, and each one passes or fails. A special case is another step, not something only one handler remembers.

2

The applicant finishes it

One question at a time, with the required documents in the flow. Everything is collected up front, so you do not go back to the applicant later.

3

Your team only for judgement

They act when judgement or a pair of eyes is needed. Yearly figures are extracted, so handlers do not re-type the statements. When the application is complete, contracts and the other documents for signing are generated.

How it works

Where it already runs

Leases, energy loans, and guarantees.

Each programme has its own rules.

Leasing

The quote sits in the application. A vendor, dealer, or agent can send applications without a full integration, then equipment acceptance follows.

Leasing

Energy finance

Staged payouts and subsidy evidence. At Energiefonds Drenthe, about 3–4 hours per application came down to about 18 minutes.

Energy finance

Guarantees

A complete application against guarantee conditions, used by Stichting Waarborgfonds Sport.

Guarantees

Read case study

Start with one programme.

30 minutes on who completes the application today, and whether this can sit in front of your existing systems.

Book 30 minutes