Rent 2Rent 2 — vehicle rental & rent-to-own platform for finance providers

Features

Everything your book needs. Nothing it doesn't.

One platform, end to end — origination, contracts, payments, collections intelligence, recovery, financier operations and compliance. Not just running the lifecycle, but measuring the economics of it. Here's exactly what each one does.

Originate & decide

  • Invitation-only applications — you own the customer relationship, POPIA-clean from the first click
  • 6-step application wizard with draft auto-save and document virus scanning
  • OCR document capture (ID, payslip, proof of address) with declared-vs-document matching
  • Configurable affordability & risk scorecard — segment strategy, dual cards, debt-review handling
  • Credit-bureau checks behind a provider abstraction (Datanamix / TransUnion)
  • Approve, decline or refer with dual-approval overrides and a full decision audit trail

Contracts & e-signing

  • Master rental agreement template with auto-population from the application
  • Firma embedded signing — initials per page, debit-order mandate and final signature
  • Signed PDF stored in your own tenant bucket; removed from the signing provider (POPIA)
  • NCA 5-business-day cooling-off period tracked automatically
  • Configurable rent-to-own / purchase schedules — 6 / 12 / 18 / 24 / 36 months

Payments & collections

  • Auto-generated monthly tax invoices (SARS-compliant, VAT-inclusive)
  • NetCash DebiCheck debit orders — settled to YOUR account, not ours
  • Pay Now card & instant-EFT payments for ad-hoc and catch-up settlements
  • Automatic retry workflow with configurable backoff
  • Arrears → in-default workflow with auto-generated demand letter
  • SMS, email and WhatsApp reminders across the whole collections journey

Collections intelligence

  • Cure funnel: roll rates and 30 / 60 / 90-day cohort cure curves from a state-transition ledger — not a single-day snapshot
  • Every cure attributed to the action that caused it (reminder, arrangement, restructure)
  • Cost-to-collect from first touch: cost-per-cured-rand vs cost-per-recovered-rand
  • Structured hardship: declare → assess affordability → time-box → auto-resume, without breaking the ladder
  • Workouts (debt review, restructure) are reason-coded and never counted as a cure

Recovery network & redeploy

  • Agency scorecard: recovery rate, days-to-recover and cost-per-recovery, by make and region
  • Best-agency-for-the-region suggestion at assignment time, with SLA-breach flags
  • Redeploy board for returned stock with a redeploy-vs-dispose recommendation and per-unit lifetime P&L
  • Re-rent recovered vehicles through the same intake and scorecard your first deal ran on
  • Per-asset lifetime ledger: one vehicle, every deal, cost and rand in one place
  • Refurb / inspection checklist gates remarketing

Financier operations & Book NAV

  • On-balance-sheet Book NAV with a double-entry ledger posting on every invoice, payment, fee and write-off
  • Nightly provisioning run derives an expected-credit-loss (ECL) — balances reconcile, never summed ad-hoc
  • Per-deal 360 view: ledger, balance, days-past-due, ECL stage and settlement figure, entry by entry
  • One book, many dealers — dealer seats with scoped access to their own deals
  • Maker-checker payouts & disbursements to dealers and suppliers
  • Premium-uplift pricing, per-band deposit / premium adjustments, and the early-settlement & exit suite

Vehicle tracking & telematics control loop

  • CarTrack polling: live vehicle positions and geofence-breach alerts
  • Fleet-visibility KPI (% of fleet pinged in the last 24h) and an at-risk recovery cockpit map
  • Geofence polygon editor — author the zones the breach detector enforces
  • Breach → action: a high-severity breach on a defaulting account can open and advance a recovery case (human-gated, default off)
  • Repossession trigger with CarTrack geofence activation
  • Lifecycle alerts: licence expiry, roadworthy, service due (date + km)
  • Incident management: log → claim → settle workflow with photos

Compliance & security

  • POPIA data-subject-request queue with 30-day statutory tracker
  • Breach register + Information Regulator notification workflow
  • Right to erasure (anonymise while preserving the audit trail)
  • Retention sweep that purges tokens, drafts and old comms automatically
  • True multi-tenant isolation — Postgres row-level security on every table
  • Per-tenant encrypted credentials; nothing is co-mingled

Platform & extensibility

  • Branded customer portal on your own subdomain — apply, view contract, pay, log incidents
  • Tenant 360 with Profile / Users / Fleet / Financials / Analytics / Config / Audit
  • "Log in as tenant" impersonation, fully audit-logged
  • Public REST API with scoped keys + webhook subscriptions
  • Two-desk support service desk built in
  • Email, WhatsApp and SMS template management

See it run on your book

A 30-minute demo on realistic data, mapped to how your book works today.

Book a demo