Use Case: From Spreadsheets to Smart Loan Management for a Motorcycle Dealership
In the fast-paced motorcycle industry, financing is just as critical as sales. Many dealerships still rely on manual spreadsheets for loan computation—practical at first, but unsustainable when managing hundreds of active accounts. Without a central loan ledger, monitoring arrears, applying penalties, and reconciling payments can quickly spiral into inefficiency and missed opportunities.
NAYSA’s Loans Management Solution bridges this gap by replicating the familiar spreadsheet logic dealers trust, while expanding it into a robust system for end-to-end loan tracking and monitoring. From automated calculations and real-time loan ledgers to seamless integration with collections and after-sales, we empower dealerships to manage financing with speed, accuracy, and confidence.
Client Background
A leading car dealership in the Philippines relied heavily on spreadsheets to manage its auto loans. While the spreadsheets could compute payments, interests, rebates, and penalties, they lacked the ability to track loans beyond the initial computation. Without a centralized loan ledger, the dealership struggled with monitoring arrears, reconciling accounts, and ensuring timely collections across hundreds of customers.
Challenges
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100% Manual Loan Computation – Loan details were calculated one by one using spreadsheets.
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Incomplete Historical Tracking – Payments, arrears, and settlements were not linked to a central loan ledger.
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Error-Prone Adjustments – Applying penalties or rebates manually increased the risk of miscalculations.
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Time-Consuming Monitoring – Tracking overdue accounts required combing through multiple files.
Our Solution
NAYSA Solutions deployed a Loans Management System designed to replicate the dealership’s familiar spreadsheet logic while expanding it into a full, centralized loan management platform.
Results
✅ Automated Payment Calculator – Carried over their trusted computation formulas while removing manual errors.
✅Centralized Loan Ledger History – Captured every loan activity, including payments, arrears, rebates, penalties, and settlements.
✅ Seamless Integration – Linked with the dealership’s financial reporting and after-sales operations for end-to-end efficiency.