Realise all of your process, product and compliance requirements.

Unify, connect and adapt - in one versatile platform.

An unbeaten track record of project delivery, using the best people in the business.

#1 Derisking Your Systems Replacement Project through Phased Implementation

#2 Agility in Data Migration: Onboarding Portfolios Efficiently and Effectively

#3 Integration - Leveraging the Power of an Open Platform

Various individuals from Alfa draw on their talent and experience to discuss how you can work in an agile fashion to deliver quick and often.

Part 1: Balancing Risk and Reward

Part 2: Using Machine Learning in the Wild

Part 3: Moving Forward with Machine Learning

Ahead of the formation of Alfa iQ, the intelligence platform for asset finance, Alfa shared its research and opinion on AI and machine learning in the industry.

Part 1: Exploring digitalisation in the asset finance industry

Part 2: Realising your digital journey

Part 3: Building a digital ecosystem for asset finance

Competitive pressures and changing customer expectations are compelling companies in the sector to take on the digitalisation challenge. The move to digitalisation is challenging, and presents critical issues - but the rewards are significant.

Towards energy resilience: closing the efficiency gap

LIBOR Reform: The Impact for Auto and Equipment Finance Providers

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Applications for our 2023 graduate programme are now closed. Applications for our 2024 programme will open in Autumn 2023.

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Digital Directions 3: Building a digital ecosystem for asset finance

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Supporting all types of auto, equipment and wholesale finance business, Alfa Systems uses leading-edge digital technologies to deliver proven functionality and performance.

Alfa Systems satisfies requirements of all sizes: as an integrated point solution, a rapid off-the-shelf implementation, or an end-to-end platform for the complex global enterprise.

Lifecycle Components

By Industry

We help bring your business together, or transform it completely.

Learn about our extensible platform that enables you to integrate your point solutions with Alfa Systems.

Extensible Platform | Alfa

Alfa Systems has been designed to enable our customers to extend and embed functionality throughout their asset finance systems landscapes, using industry-standard technologies and approaches.

To facilitate real-time data flow, customers are able to integrate Alfa Systems seamlessly with both leading-edge and legacy systems.

In the increasingly digitalised industry of asset finance, a robust solution API is a critical requirement. Alfa Systems' broad, highly granular API catalogue allows full control of the contract lifecycle. Associated processes can be controlled, and driven by, external systems; thus exposed in multiple technologies and providing power in the form you need it most.

Alfa seeks to design APIs, and Alfa Systems functionality used by APIs, such that logic is implemented through configuration wherever possible; for example, in features such as frame agreements, custom facts and workflow webhooks. This allows our customers to maintain their integrations’ behaviour without engaging a development team.

"Alfa Systems gives us key API capabilities that weren’t available in our legacy core banking platform, enabling us to launch a wider range of new products to the market, improve speed and efficiency, and offer a significantly improved service to our brokers and their customers."


Alfa Systems provides the tools and processes to enable the delivery of digital strategies which leverage the power of our customers’ systems, exposing and orchestrating various system APIs. Our customers customise their integrations in a way that best represents their business processes, providing simpler, dedicated endpoints that can be amended as their processes and requirements change.

More access, immediacy and control for consumers

Custom-built digital apps and self-serve solutions

Simplified API combining data and function from multiple systems

Custom endpoints over Alfa Systems' extensive API and others

Orchestrated system APIs across business processes

The Alfa Systems solution is a Java-based, strongly typed, object-oriented programming environment that allows developers to produce integration flows easily, including flow visualisations. It is built on best-of-breed open-source tools, providing a production-proven, flexible toolbox for building integration components.

"We now operate a far more integrated and robust solution, and with Alfa’s support we have been able to seamlessly integrate our end-to-end business processes. Our entire operational arm is now able to work more cohesively using integrated customer case management and highly configurable workflow, ultimately enabling PEAC to better service its customer and partner base.”


Alfa consultants have a wealth of experience in enterprise integration patterns, cross-system architecture and the leasing industry in general, and this allows us to collaborate with our customers on overall solution architecture, integration design, and the development of integration flows, incrementally instantiating customer ownership of integration flow configuration.

Zoot Solutions

Experian

CAP HPI

Tomorrow's Journey

Jumio

Vertex

As the drive for integration of products and services continues, Alfa is always looking to engage with other solutions providers to enhance our product’s functional reach. If you believe that your equipment or automotive finance solution could integrate with Alfa as part of an enterprise implementation, we’d love to hear from you.

The Alfa Systems solution has been successfully integrated with hundreds of different products in diverse areas. Recent examples include:

Extensible Platform

With our combined project and delivery experience of over 30 years, you're in safe hands with Alfa.

Professional Services | Alfa

Alfa offers further professional services in the form of business process consultancy, technical architecture, application ownership consultancy, UI design, project management and training consultancy.

Our asset finance solutions are designed with scalability and agility at the forefront, ensuring that our customers can not only react the quickest in a changing market, but also lead the market through innovation. Our professional services ensure that our customers are in the best position to capitalise on the advantages offered by Alfa Systems.

Having a solid, trusted relationship is of utmost importance to us, and the service provided by Alfa has been outstanding. Proactive in their approach, they have been exceptionally supportive to the team. We have always found the business easy to deal with, knowledgeable and reliable, and we look forward to working with Alfa going forwards.

Professional Services

Real-time insights and pluggable data APIs make Alfa Systems the premier choice for asset finance providers in Europe.

Business Intelligence | Alfa

Alfa Systems' business intelligence solution provides real-time data and insights, custom reports and pluggable data APIs.

Our expertise and experience ensure that you are provided with a smooth integration of Alfa Systems into your existing data architecture; or for a greenfield implementation, a simple, functional turnkey solution.

Alfa Systems' Operational Data Store (ODS) presents financial, operational, customer and portfolio data in one easy-access, real-time repository. Real-time data allows you to provide customised analytical dashboards, allowing your teams to make key decisions on up-to-the-minute information on transactions and activity within Alfa Systems.

"Alfa’s BI solution transforms raw, unstructured data into useful information for business analysis, so we can identify trends, behaviour and other insights."


Automated nightly snapshots provide data for easy ingestion to data warehouses and data lakes, and support for reconciliation.

Alfa Reporting allows the configuration of custom reports, which can be parameterised, scheduled, provided in various formats, and easily extracted to other systems. Exposed via REST, reports can also easily be turned into customisable real-time data APIs.

Contact us to find out more about Alfa Systems' Business Intelligence solution for auto and equipment finance.

"Fundamental tools like reports - instead of being a hindrance - provide us and our partners with greater insight.”


Business Intelligence

Automate your business processes with Alfa Systems' powerful workflow and business rules to eliminate risk and improve your response times.

Process Automation | Alfa

Alfa and Alfa Systems provide unparalleled support in converting your high-level business processes into configured workflows and business rules, minimising manual intervention, reducing operating costs and enabling better customer service.

Alfa Systems’ powerful workflow and business rule capabilities allow you to configure your business processes to take place without human input wherever possible, giving you complete control over task management and tracking, notification, escalation and workforce management.

Sophisticated routing of cases, controlled by business rules, allows any mix of manual and automated steps, enabling intelligent automation of tasks and allocation of work to users. Your asset finance processes are mapped directly into the system and standardised across the business.

"Our entire operational arm is now able to work more cohesively using integrated customer case management and highly configurable workflow, ultimately enabling PEAC to better service its customer and partner base.”


The objective of business process development is to convert high-level business processes into detailed business processes. These can then be translated into a series of steps which define the configuration of Alfa Systems workflows and business rules.

This clear and configurable visual representation of business processes, including a view of team interactions, allows Alfa customers to review operations, increase efficiency and improve customer experience.

Alfa’s comprehensive documentation was highly valuable, especially around workflow and collections - which was thrust into the spotlight by Covid.”


Working together in close partnership, we will map your existing business process onto the Alfa Systems platform, but also take the opportunity to reassess them and identify any improvements that can be made by leveraging Alfa Systems' auto and equipment finance functionality.

Alfa Systems provides full tracking of work items, giving you the opportunity to analyse and refine processes continually for maximum business benefit, without the need for burdensome report-based work. Benefits include a clear audit trail of which user has performed which actions, and management information on key areas, including individual users, bottlenecks, inefficiencies, and assignable causes.

Through automatic allocation of work to the correct users and user groups, your organisation will see improved efficiency. Customer service is notably improved by more efficient customer contact, while automation and business rules help prevent incorrect manual decisions and user error.

Process Automation

Alfa Systems’ remarketing and disposal tools for asset finance manage the end-of-term process for your entire portfolio seamlessly.

Remarketing and Disposal | Alfa

Alfa Systems’ remarketing and disposal tools manage the end-of-term process for your entire portfolio, seamlessly.

Able to manage tens of thousands of assets a month for a single customer, embedding Alfa Systems in your organisation is proven to be effective at considerable scale. Highly automated actions and decisions allow your teams to focus on exception processing.

Through a coalescence of a number of key Alfa Systems features, your users can establish a powerful remarketing and disposal landscape. Workflow forms the foundation, allowing different teams to work together throughout the process, whilst incorporating Alfa Systems functionality and integration capability.

"The seamless nature and connectivity of the new platform enables both the front- and back-office teams to access the same end customer and partner data, allowing for a truly unified customer view and enhanced data integrity.”


Alfa Systems’ integration capability supports data flow between remarketing and disposal systems landscapes, including dealer grounding and repossessions, inspection, valuation, auction and title services. This includes the ability to configure workflow-embedded webhooks to trigger external services based on process and business rule configuration, without the need for complex logic to be built into integrations.

Using Alfa Systems’ remarketing tools, we can minimise risk and achieve lower costs and faster throughput.”


Task automation via workflow (generating termination quotes, raising invoices, letter generation, movement request generation and vehicle deregistration) and control automation via business rules (such as recharge of damage and excess usage) effect a rapid and fully compliant remarketing and disposal process.

Automated, rules-based recharge of damage and excess usage

Remarketing and Disposal

Alfa Systems is built for any and all complex financial and accounting challenges. Find out more.

Accuracy and Compliance | Alfa

Alfa Systems is built with flexibility in mind for complex organisations - especially those who offer many products in multiple states and countries.

Finance and accounting professionals in the asset finance industry face a host of intricate business challenges and increasing regulatory complexity, which necessitates automation of financial transactions, traceability, and agility. They also play a critical role in developing the digital strategy that is essential to the ongoing success of the organisation.

Furthermore, automation brings greater opportunities for the profession as it helps reduce transactional and routine tasks such as data entry, book-keeping and compliance work, and allows finance and accounting professionals to focus more on creating value through business partnering; by working closely with the rest of the organisation, they can provide insights and influence the decision-making process.

Accounting is central to how Alfa Systems is built, providing a complete transaction-based accounting system for the asset finance industry. Financial transactions are always accounted for alongside the associated operational transaction, ensuring access to real-time, auditable information. Postings generated at the lowest level of detail enable reconciliation of general ledger accounts back to source operational transactions through Alfa Systems’ operational data store. Read more in Business Intelligence.

"Alfa’s meticulous approach and willingness to go the extra mile ensured we were compliant well before the deadline for the new regulations, and able to adapt to other changes.”


Alfa Systems is built with flexibility in mind for multi-product, multi-regional organisations, with highly configurable parameters. The asset finance system is designed to support multi-regulatory financial environments from within a single instance, including multiple accounting methods and tax reporting. Alfa Systems’ multi-GAAP functionality allows the generation of different accounting views for the same contract, including postings to the general ledger.

Through proven capability to interface with industry-standard general ledger packages, Alfa Systems seamlessly integrates into the wider finance landscape. Alfa Systems enables flexibility and control over finance processes, facilitating better and faster decision-making.

"Alfa Systems' bulletproof accounting engine and automated invoicing, billing and payments have given us a massive efficiency boost.”


With Alfa Systems’ robust accounting engine, organisations of all sizes and complexities can achieve their finance transformational goals, eliminating inefficient, manually intensive processes to realise their strategic vision.

Accuracy and Compliance

Alfa Systems is the class-leading, premier auto finance platform in Europe. Find out more and get in touch today.

Automotive Finance | Alfa

Alfa has been empowering providers of automotive finance since 1990, with Alfa Systems established as the industry’s leading software solution. The volumes and complexity associated with automotive finance make Alfa Systems the ideal fit.

Our live customers in the automotive finance space include Toyota Financial Services, Mercedes-Benz and CarMax, and we are working with a number of other top providers in active implementations. Read more in our CarMax case study.

Explainer video | Futureproof your auto finance.

As well as offering wholesale floorplan functionality, Alfa Systems' auto finance software offers its own point of sale, middle office and servicing capabilities, backed by full support for collections and recovery and remarketing and disposal. We collaborate and configure to the exacting needs of each customer.

To further enable your business activities, the Alfa Systems platform for auto finance offers class-leading business process automation and expansive product support, with proven multicountry and real-time accuracy and compliance features.

We selected Alfa Systems, a modern, market-leading asset finance solution, as the primary component of our new platform. Alfa also served as our implementation partner, bringing experience onboarding large and complex portfolios such as ours to their platform.

Alfa Systems’ hosting service is secure and cloud-native with AWS, while its extensible nature lets you extend and embed functionality throughout your systems landscape. Our business intelligence solution provides real-time data and insights, custom reports and pluggable data APIs. Meanwhile, Alfa iQ delivers artificial intelligence to your operation, with a mission to make access to vehicles efficient, intelligent and fair.

We replaced a core system that had been in use for over 30 years. Alfa Systems is a modern platform which allows us to integrate well with boundary systems, and its integrated workflow engine enables us to customise workflows and provide our customers with a much more seamless experience. Our associates love working in Alfa Systems and it will only get better as we continue to evolve the associate and customer experience. We’re extremely pleased that we have a modern foundation that we can continue to build upon.

Alfa’s expertise in data migration is unparalleled, and we offer further professional services in the form of business process consultancy, technical architecture, application ownership consultancy, project management and training consultancy, specifically tailored to the auto finance industry.

Automotive Finance

Alfa Systems is relied on by a third of Europe's leading equipment finance providers. Find out more about our class-leading product.

Equipment Finance | Alfa

Alfa has been empowering providers of equipment finance since 1990, with Alfa Systems established as the industry’s leading software solution. The variability and complexity associated with equipment finance make Alfa Systems the ideal fit.

Our live customers in the equipment finance space include John Deere Financial Services, PACCAR and Santander, and we are working with a number of other top providers in active implementations. Read more in our PEAC case study.

Explainer video | Futureproof your equipment finance.

Alfa Systems' equipment finance software satisfies requirements of all sizes: as an integrated point solution, a rapid off-the-shelf implementation, or an end-to-end platform for the complex global enterprise.

As well as offering wholesale floorplan functionality, Alfa Systems offers its own point of sale, middle office and servicing capabilities, backed by full support for collections and recovery and remarketing and disposal. We collaborate and configure to the exacting needs of each customer.

Businesses now expect more connected digital experiences as standard, giving them greater control over their finances. Our partnership with Alfa is a significant step forward in improving our customer experience, including digital capability, to support our product development plans and help us grow our asset finance business.

To further enable your business activities, the Alfa Systems' equipment finance platform offers class-leading business process automation and expansive product support, with proven multicountry and real-time accuracy and compliance features.

Santander and Alfa worked in close partnership to deliver a highly successful system replacement programme to support Santander's corporate lending operations, while adapting to the changing environment resulting from the Covid pandemic. The successful delivery of the project has enabled us to consolidate multiple portfolios onto a single system, delivering business benefit and providing a platform to enable future change.

Alfa’s expertise in data migration is unparalleled, and we offer further professional services in the form of business process consultancy, technical architecture, application ownership consultancy, project management and training consultancy, specifically tailored to the equipment finance industry.

Equipment Finance

Alfa Systems is a cloud-native platform that enables you to get up and running quickly and eliminates the need to have on-premise servers.

Cloud Hosting | Alfa

Alfa’s ‘cloud first’ approach sees many of our customers hosted securely on the AWS public cloud.

Cloud customers can manage their environments online.

Alfa’s hosting service deploys our asset finance system securely in the AWS public cloud, providing geographical flexibility and rapid deployment while removing the responsibility of application support, monitoring and availability from our customers.

"We were able to utilise the system’s existing set-up and best-practice behaviour to give us a head start, rather than spending time and effort taking a blue-sky approach to definition."


Each customer’s Alfa Systems environment is deployed in a Virtual Private Cloud, completely isolated from all other customers using Alfa’s hosting services. Our Security-as-a-Service provider monitors security event logs 24 hours a day, with high-severity incidents reported to Alfa within 15 minutes.

"Our cloud instance is always-on, and has allowed us to scale easily as our portfolio grows.”


Alfa is compliant with ISO27001, ISO27018 and the SOC2 controls for availability, integrity and confidentiality. We can deploy Alfa Systems in geographical proximity to users while meeting data residency regulations, ensuring that performance and compliance requirements can be met in the same solution.

The following are just some of the techniques that we employ to ensure that we remain ISO27001, ISO27018 and SOC2 compliant in security:

Cloud authentication of end-user credentials

Continuous monitoring for vulnerabilities

Routine penetration and disaster recovery testing

Alfa’s Application Support team provides remote support to both on-premise and hosting service customers, and is responsible for investigating application issues. For our cloud customers, Alfa acts as a Managed Server Provider, administering, monitoring and proactively managing the environment. As each environment is deployed separately, our customers remain in control of application releases and change deployment.

Alternatively, an on-premise deployment allows you to keep all infrastructure under your control, while private cloud infrastructure providers can be used if required.

Alfa Systems is a fully managed infrastructure stack hosted in the cloud, with rapid scalability and geographical flexibility. More cost-efficient than an on-premise install, using Alfa Systems in the cloud removes the burden of application support, monitoring and availability.

Full capabilities of the Alfa Systems platform

Comprehensive 24/7 monitoring, alerting and scheduling

Automated patching and management of networking, hardware, OS, databases and middleware

Data centres in the US, Europe and Asia-Pacific

Multi-data centre and multi-region support

Audited against ISO27001, ISO27018 and the SOC2 controls for security and availability

Cloud Hosting

Automate your servicing requirements with Alfa Systems.

Servicing | Alfa

Alfa Systems allows you to automate your servicing requirements flexibly, enabling sophisticated customer and dealer self-serve, and empowering your users.

Powerful workflow and business rule capabilities allow your processes to be mapped directly into the system and standardised across the business, automating all of your invoicing, payments and accounting for a wide range of assets in multiple jurisdictions.

"Alfa Systems' bulletproof accounting engine and automated invoicing, billing and payments have given us a massive efficiency boost."

Sophisticated routing of cases, controlled by business rules, allows any mix of manual and automated steps, enabling intelligent automation of tasks and allocation of work to users. Read more in Process Automation.

Furthermore, workflow configuration ensures users have the right tools at their fingertips to complete their task, whether performing a restructure, reversal or payoff, or processing customer record changes.

Any contractual changes to lease agreements can be changed or reversed at any time, with no need for rebooking. Alfa maintains a complete audit history, detailing all changes and transactions performed across the system, including before-and-after snapshots.

All of Alfa Systems’ servicing functionality can be exposed to dealers and customers to allow sophisticated self-serve through digital apps and APIs. Read more in Extensible Platform.

"Alfa’s comprehensive documentation was highly valuable, especially around workflow and collections - which was thrust into the spotlight by Covid.”


Sophisticated pricing and accounting engine

Product support across multiple jurisdictions

Identical pricing engine for quotation and in-life changes

Support for securitising contracts individually or in bulk

Ability to change or reverse any transaction

Automation through business rules and workflow

Customer and dealer self-serve through apps and APIs

Automated invoicing, billing and payments

Alfa Systems supports both retail and corporate business, including complex leases and loans, usage-based products and risk-free rates. Read more in Expansive Product Support.

Multicountry features in Alfa Systems cover all of the languages, currencies and accounting standards required by a complex, geographically dispersed business. Read more in Multicountry.

Alfa Systems is built for finance and accounting professionals, who face a host of intricate challenges and increasing regulatory complexity, and require automation of financial transactions, traceability, and agility. Read more in Accuracy and Compliance.

Servicing

Alfa Systems is regularly updated and released, to continually improve our customers' experiences. Version 5.7 of Alfa Systems is our latest release.

Latest Release of Alfa Systems

Alfa Systems Version 5.7 brings together two years of important new features, with new offerings in the user experience, charges and billing, and configuration among the highlights.

Meanwhile, changes to existing functionality include wholesale, integration and Alfa Systems’ highly valued reporting solution.

"We were delighted at how smoothly the upgrade progressed. The delivery from Alfa was fast and high quality, and our close working relationship enabled us to meet the project timescales."

Read Alfa Systems Version 5.7 Release Catalogue to find out more about the new features and improvements.

"We’re committed to helping our customers achieve as much as they can, as painlessly as possible. This is because we know they don’t want to worry about systems - they want to get on with doing business, and staying competitive in the market. Each time a customer takes Alfa Systems for the first time or upgrades to a later version, they are taking on a wealth of functionality and technical capability that helps them run their business better, build a more robust operation, save a lot of valuable time, and focus their expertise elsewhere. Our platform gives them the power and flexibility not just to respond to changing business needs, but get ahead of them too."

Read more in Alfa Systems 5.7 Release Catalogue

Latest Release

Alfa Systems' robust wholesale floorplan financing functionality enables you to process any and all aspects of your wholesale business.

Wholesale Floorplan | Alfa

A single platform for all your asset and auto finance transactions, the always-on Alfa Systems supports the full customer and dealer journey. But it also offers the industry’s standout solution for wholesale floorplan business, selected time after time by the leading operators.

Alfa Systems manages the entire unit lifecycle for wholesale floorplan financing. Delivered to dealers, distributors, auditors and finance providers via a customisable user interface and authority model, our wholesale floorplan financing software enables complicated and costly high-volume business processes to be handled with minimal effort.

Alfa Systems supports product sets required by dealers, including commercial loans, retail commission, cash accounts, interest-offset accounts and dealer reserves.

"Because of the single-system nature, our wholesale assets are easily quoted and transferred onto retail contracts, giving us accurate whole-life profitability."

Wholesale in Alfa Systems incorporates high levels of automation, especially mass or bulk changes, including for interest rates, capital repayments/instalments (curtailments) and contract restructuring. Workflow and business rules provide excellent support in configuring your business processes to take place automatically without human input, wherever that is possible.

The value of running your wholesale or floorplan finance business on Alfa Systems is considerable. Our customers often consolidate an array of existing systems, utilities and workarounds, creating a highly simplified systems landscape.

Those who also onboard a retail portfolio enjoy a single view of retail and wholesale, and are able to net wholesale transactions off against each automatically. Only when you are using a single platform can the same vehicle in wholesale become a contract in your retail business.

Wholesale Floorplan

Alfa provides seamless 24x7 support for you and your platform, wherever you are.

24x7 Support | Alfa

Alfa offers 24x7 support to address the diverse needs of our growing customer base.

Alfa Systems v5.7

Alfa and the UN Sustainable Development Goals

Digital Directions Series

Gold-Accredited Alfa Makes Top 20 in Investors in People

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