Your Benefits at a Glance
RefiOne is the specialized end-to-end platform for refinancing departments. Contracts, cashflows and reporting — in one consistent system for more transparency and less coordination effort.
Bulk Import — Without Bottlenecks
Refinancing requests from multiple leasing partners are imported, validated and processed in bulk. No manual consolidation, no format breaks — even at high volumes.
Regulatory Compliance. Built In.
Comprehensive logging, plausibility checks and role-based permissions. Supports you in the traceable implementation of BAIT, MaRisk and DORA.
Reliable Data Quality for Sound Decisions
Automated validations, consistent data models and standardized workflows. Solid decision-making foundations for treasury, risk controlling and accounting.
Your Refinancing Process — Secure, Automated and Traceable
Data Management & Validation
Import of portfolio and transaction data from leasing partners with plausibility checks and consistency validations.
- Bulk import of refinancing requests
- Automatic validation & plausibility checks
- Matching of eligible contracts
- Detection of exclusions & special cases
Data Management & Validation
Import of portfolio and transaction data from leasing partners with plausibility checks and consistency validations.
- Bulk import of refinancing requests
- Automatic validation & plausibility checks
- Matching of eligible contracts
- Detection of exclusions & special cases
Refinancing Contracts & Line Management
Management of refinancing lines, framework agreements and programs with automated assignment of refinanced leasing contracts.
- Management of refinancing lines & framework agreements
- Utilization overviews & limit checks
- Automated assignment of refinanced leasing contracts
- Management of collateral & covenants
Cashflows & Fund Usage
Automatic calculation of disbursements and refinancing shares with traceable fund usage.
- Automatic calculation of disbursements
- Traceable fund usage
- Calculation of interest and principal flows
- Comparison of target vs. actual data
Reporting & Communication
Standardized reports for treasury, risk controlling and accounting — without days of manual compilation. Export in auditable formats.
- Standardized reports for treasury & risk controlling
- Contract, line and portfolio reports
- Export in auditable formats
- Support for bank-side reporting requirements
Monitoring & Risk Oversight
Monitoring of KPIs such as utilization, maturity and collateral with early warning indicators.
- KPI monitoring (utilization, maturity, collateral)
- Early warning indicators
- Process and contract status on demand
- Alerts on deviations
Key Facts
Banking & refinancing expertise
Experience from projects with banks, development institutions and leasing companies — directly incorporated into process logic and compliance features.
Hosted in Germany
Hosted with ISO 27001-certified providers, GDPR-compliant, with complete data residency within Germany.
In use by leading market participants
Banks, development institutions and leasing companies use RefiOne in daily operations — for refinancing, portfolio management and regulatory reporting.
Seamless Integration into Your Banking Environment
Treasury Systems
Automated data exchange with your treasury management
Core Banking System
Bidirectional interface for bookings and portfolio data
Risk Controlling & Reporting
Data delivery for risk metrics, limit monitoring and full reporting
Partner Portal
Portal for leasing companies to digitally submit refinancing requests
Automated Credit Decision
Rule-based data matching of incoming records against existing contracts
From Practice
Public-sector state bank, Northern Germany
Complex refinancing platform with system integration and specialized functions
Complex requirements for refinancing structures, cashflows and reporting. Specialized functions down to rounding adjustments at the eighth decimal place plus integration with existing core systems were required.
Fully integrated refinancing platform with extensive specialized functions, seamlessly embedded in the existing banking landscape — incl. custom integrations with third-party systems such as loan management, valuation and collateral management systems. Large-scale project with numerous business requirements — professionally managed and successfully put into production.
Mid-sized specialized bank, Southern Germany
Digitization of lease refinancing with automated credit decisions
High manual workload due to growing application volume. No digital submission channel for leasing partners, no automated credit decision — every application was reviewed individually.
Custom partner portal for digital submission of refinancing applications with fully automated, multi-stage credit decision process incl. complex data enrichment and process orchestration. Significantly reduced workload despite increasing volume.
Security and Compliance. Systematically Designed.
Role-based permissions, server-side logging and traceable processes — RefiOne supports you in structurally implementing regulatory requirements such as BAIT, MaRisk and DORA.
Answers to the Most Important Questions
RefiOne supports annuity loans, amortizing loans, rollover financing, forfaiting and other common contract types. Custom models can be configured.
Via standardized import pipelines with automatic plausibility checks and consistency validations. Historical data, transaction data and special cases are detected and validated.
Role-based permission model and comprehensive server-side logging of all operations. Evidence for BAIT, MaRisk and DORA can be provided on request.
Structured in phases: portfolio analysis, implementation project, data migration, parameterization, training and go-live. The goal is implementation without disrupting your ongoing operations.
Yes. RefiOne offers flexible import pipelines, configurable mapping logic and multi-stage validations for a secure migration of your existing data.
Personal contacts, defined response times, regular training and continuous platform development.
Data migrations go through multi-stage validations with parallel comparison. We perform a controlled transfer with quality assurance — including parallel operation until all portfolio data, lines and cashflows are reconciled.
Through role-based training with real data scenarios, your teams are typically productive within a few weeks. Key users are specifically trained and can serve as internal points of contact.
RefiOne uses a clear licensing model. The full scope — including implementation, training and ongoing support — is discussed before project start. No hidden follow-up costs.
How much transparency is your portfolio missing?
Portfolio monitoring, fund allocation, bank reporting — we’ll show you the concrete difference.