Built for banks — not adapted.
RefiOne is the refinancing platform that maps refinancing contracts, cashflows and bank reporting in one consistent system. Specialized for the requirements of refinancing departments, not retrofitted from a generic solution.
Automated purchase review — stable even under peak load
Refinancing requests from multiple leasing partners are imported, automatically reviewed and processed in bulk. Automated purchase review instead of manual consolidation — so your team can focus on decisions, not data preparation.
Regulatory substance — not just compliance
Comprehensive logging, plausibility checks and role-based permissions. Built for the reality of audits — not just for the checkbox in a compliance report.
Data quality that treasury can rely on
Automated validations, consistent data models and standardized workflows. So your reports stand on solid foundations — not on manually consolidated spreadsheets.
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
In use. In banking operations.
Banking & refinancing expertise
Experience from projects with banks, development institutions and leasing companies — built into process logic, compliance features and project guidance.
Hosted in Germany
ISO 27001-certified data centers, GDPR-compliant. Complete data residency within Germany — without exception.
In use at banks and development institutions
RefiOne runs in daily operations — for refinancing, portfolio management and regulatory reporting. Not as a pilot project, but as a productive core system.
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.
More than a platform implementation.
RefiOne comes with a team that knows refinancing processes from banking projects. We support you from the initial portfolio analysis through integration into your core systems to regular operations.
Requirements we can contextualize
We know the typical requirements of refinancing departments — from rounding adjustments to covenant monitoring. This knowledge flows into project planning before you need to specify it.
Banking projects, professionally managed
Integration with core banking systems, treasury and risk management requires structured execution. We bring the methodology — and the experience of what matters when integrating into existing banking landscapes.
Support that speaks your language
After go-live, you reach contacts who know the difference between line utilization and a limit check. Technically sound, personally reachable.
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.