01
Book & set up
Register originated accounts — hirer profiles, guarantors, collateral, insurance/Takaful
dFlow
Loan Management Built for Hire Purchase
Cloud loan management for hire purchase — from booking originated accounts through collections, repossession, and shortfall.
See dFlow in action
Portfolio dashboards, loan accounts, collections, and compliance — the screens your team works in every day.
Why operators choose dFlow
Portfolio visibility, collection tools, and compliance workflows — built for how HP businesses actually run.
See your portfolio at a glance
Real-time dashboards for active loans, outstanding credit, monthly collections, late charges, and performance trends — with month-over-month comparisons so managers spot issues early, not at month-end.
Collections that start before legal action
Track days past due, send WhatsApp payment reminders with pre-filled messages, upload bulk payments, and monitor repayment schedules — all from the loan account. Reach hirers where they actually respond.
Compliance built into the workflow
Generate the notices your HP operations depend on — reminder letters, Fourth Schedule, final reminders, Fifth Schedule, auction notices, and loss-of-sales letters — triggered by rules tied to payment behaviour, not manual calendar tracking.
Repossession, end to end
When recovery is necessary, dFlow doesn't stop at paperwork. Register licensed repossession agents and warehouses, issue repo orders, assign primary and secondary agents, track outcomes, process redemption, and manage auction or disposal — with fees and charges recorded automatically.
Built for how HP businesses actually work
Manage multiple financiers, dealerships, and branches. Configure products by vehicle type — motorcycle, car, and beyond. Support traditional hire purchase and subscription models from the same platform.
Manage Access Control
Configure how Admin users are allowed to access dFlow through IP address restriction and approved working hours — whitelist trusted networks, set approved days and time ranges, and keep portfolio access locked down.
02
Activate & serve
Account activation, repayment schedules, payment history, other charges
03
Collect & recover
DPD tracking, WhatsApp reminders, payment upload, letter generation
04
Resolve & close
Early settlement, redemption, auction, shortfall, write-off
Who dFlow is for
HP financiers and credit companies managing vehicle portfolios at scale
Dealer groups running in-house or captive financing across branches
Multi-financier operators who need one system for several funding partners
Teams replacing spreadsheets or ageing software — without a multi-year IT project
If your business lives and dies on instalment collection, legal notice timing, and collateral recovery, dFlow is built for you.
Built for Malaysia's HP reality
Hire Purchase Act-aligned notice chain
From friendly reminder to repossession and post-repo actions
Vehicle-first
Motorcycles, cars, and configurable product hierarchies
Multi-tenant architecture
Each operator gets isolated data, provisioned and ready to go
Financier-specific products
Tenure, profit rates, letter rules, and charges configured per partner
Stop chasing data. Start managing your book.
Your team shouldn't be rebuilding repayment schedules in Excel or wondering whether the Fourth Schedule went out on time. dFlow puts portfolio visibility, collection tools, and compliance workflows in one place — so you can focus on growing the book, not fighting the system.
Ready to see dFlow in action?