Overview
LCS covers the entire lifecycle of the leasing business — from client identification and asset evaluation, through contract conclusion and fund disbursement, to daily accounting, restructuring, and post-termination operations.
Since 2015, LCS has been the trusted choice for forward-thinking leasing in Georgia. TBC Leasing grew its portfolio from 86M to 320M+ GEL on this platform — and the system manages hundreds of millions in portfolio value with minimal human involvement.
The system fully complies with Georgian legislation and the regulatory requirements of the National Bank of Georgia — regulatory standards, financial transparency, and effective control are built in, not bolted on.
Core Capabilities
Full Lifecycle Platform
One modular, scalable system from application intake and automatic approval through disbursement, daily operations, and contract termination — no hand-offs between disconnected tools.
Regulator-Compliant by Design
National Bank of Georgia requirements enforced in the workflow — GEL checks, effective annual rate limits, and regulatory reporting generated from the same data that runs operations.
Asset Management
Registration and classification, condition and value history, monitoring schedules with automatic tasks, insurance accounting, and three valuation methods — market, cost, and monitoring-based.
BI Dashboards & Analytics
Managerial KPI dashboards with drill-down to individual transactions, trend analysis and forecasting — turning the core system into a platform for strategic management.
Platform Features
Five leasing types — financial, operational, quick, reverse, and co-financed leasing — with configurable products and project types.
Automated origination — application intake from external channels, automatic approval on predefined conditions, and credit reports generated on client verification.
Flexible payment schedules — grace periods, seasonality, fixed payments and fees, holidays and non-working days all accounted for.
Complete restructuring toolkit — term modification, debt forgiveness, asset replacement, early repayment, write-off, buyout, transfer of rights, termination.
Contracts & documentation — template-driven contract generation, business roles, acceptance-transfer acts, and financial documents.
Accounting engine — independently configurable posting rules, multi-currency with exchange-rate differences, daily accruals, and a posting journal with contract-to-posting drill-down.
Integrated with Georgia's financial infrastructure
Real-time connections to the registries, clearing systems, and banks the leasing business runs on.
Why Purpose-Built Matters
Generic ERPs force leasing companies to work around banking assumptions. LCS was designed from day one for leasing-specific workflows: residual value handling, asset-backed structures, restructuring, and fleet scenarios that banking cores don't support.
Clients