Oracle Financial Services Lending and Leasing Cloud Service

The subscription economy demands finance flexibility. Oracle Financial Services Lending and Leasing Cloud Service helps you offer multiple asset finance solutions to fuel new opportunities and increase profitability.

Oracle solves the embedded finance dilemma.

Explore the benefits and features of Oracle Financial Services Lending and Leasing Cloud Service

Evolve your asset finance offerings and grow your business.

Complete asset finance solution

Bring together all stakeholders and manage the complete finance lifecycle—from originations to collections and asset management—on a single platform.

360-degree relationship view

Elevate customer experience, optimize pricing, and reduce risk with a comprehensive relationship view across all financial products.


Integrate and engage with the broader finance ecosystem with prebuilt API interfaces to credit bureaus, valuation guides, credit card payment companies, and more.

Domain depth

Ensure versatility with purpose-built and field-proven capabilities for diverse market sectors—including device, equipment, vehicle, consumer, and vacation ownership finance, electric vehicle (EV) battery leasing, and managed print services leasing.

Multilingual, multicurrency, and multijurisdictional

Maintain contracts in different currencies in a single portfolio by defining transactional currencies and exchange rates. Support diverse and complex accounting regulations with robust and flexible accounting options.

Embedded finance support

Enable simple and seamless integrations with third-party applications, including those for payments, with extensive API capabilities that are essential to delivering an embedded finance experience.

Subscription enablement

Adapt finance programs to subscription-based offerings—including buy now, pay later and usage-based programs—with flexible workflows, advanced behavioral scoring, and Internet of Things (IoT) connectivity.

Securitization support

Enable the ability to create, manage, and track securitization pools alongside customer finance agreement management—essential capabilities for supporting device securitization in the telecommunications sector.

Multicloud options

Support new business models and growth with multiple options to deploy in the cloud—including managed cloud services, SaaS cloud services, and hosting in the cloud

Modern, open architecture

Integrate the solution into complex enterprise ecosystems rapidly with 600 REST API services and other integration tools.

Robust business rules and flexible workflows

Optimize automation with a robust business rules engine and configurable native workflows for end-to-end finance lifecycle management.

Optimized automation

Accelerate origination with the capability to accept, process, and decision digital credit applications with a single data entry process. Enable and automate specialized collection-related activities. Boost productivity with automatic alerts and controls and real-time customer data.

One platform to manage

Reduce the cost and burden of IT management with a single platform to manage the complete asset finance lifecycle.

Self-service and multichannel

Boost efficiency and customer relationships with extensive self-service capabilities via multiple channels to support basic updates and more complex functions, such as changing repayment schedules.

IoT-enabled insights

Leverage IoT functionality to improve asset management and support new finance models, such as subscription services.

Next-gen analytics

Enable AI/ML-powered behavioral scoring and risk-based pricing capabilities to deliver improved profitability and lower credit risk exposure.

Advanced audit capabilities

Improve your ability to meet internal and external compliance standards and controls with drill-down capabilities.

Kubota cultivates new finance opportunities with Oracle Financial Services Lending and Leasing

Discover device finance, vacation ownership finance, and more

Oracle Financial Services Lending and Leasing Cloud Service has the versatility and functionality needed to support diverse markets—including device, equipment, vehicle, consumer, and vacation ownership finance as well as leasing for electric vehicle batteries and managed print services. It’s a purpose-built asset finance solution that is field-proven for each market.

01Device finance

Introduce flexible finance models and support device securitization with a single solution.

02Equipment finance

Adapt easily and quickly to changing equipment finance models and requirements.

03Vehicle finance

Ensure a superior, frictionless experience for the customer, manufacturer, dealer, and lender—from originations through collections.

Read the vehicle finance datasheet (PDF)

04Consumer finance

Expand consumer lending capabilities, reduce risk, and strengthen relationships with end-to-end asset finance software.

Read the consumer finance datasheet (PDF)

05Vacation ownership

Manage the complete vacation ownership finance lifecycle and support emerging “as-a-service” models with a single platform.

Read the vacation ownership datasheet (PDF)

06EV battery leasing

Offer innovative electric vehicle battery leasing to fuel new opportunities while ensuring profitability.

Read the EV battery leasing datasheet (PDF)

07Managed print services leasing

Manage printer lease contracts efficiently and streamline usage tracking as well as equipment management.

Read the managed print services datasheet (PDF)

08Collections for credit unions

Help identify high-risk credit union members, configure targeted collection strategies, and improve agent productivity.

Read the credit union collections datasheet (PDF)

Find resources and more

Subscribe or get left behind

The everything-as-a-service economy demands finance infrastructure innovation.

Explore the infographic (PDF)

A Modern, Digital Platform to Power Today’s Lending Institutions

Improve the customer experience with a modern, digital platform, enable flexibility that drives business growth, and increase productivity with automated processes and transactions.

Read the lending and leasing datasheet (PDF)

Oracle Financial Services Lending and Leasing on the Cloud for Subprime Lending

Capitalize on growing subprime lending opportunities and reduce risk.

Oracle Financial Services Lending and Leasing Cloud Service

Adapt quickly to changing business and regulatory environments with Oracle’s asset finance solution, built on a highly elastic, simple, and secure cloud platform.

Read the datasheet (PDF)

Get started with Oracle Financial Services Lending and Leasing Cloud Service

Explore Oracle Financial Services Lending and Leasing

Experience the capabilities of our asset finance software.

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