Calcemy provides a REST‑API that centralises finance product configuration, asset hierarchy management, and pricing calculations for asset finance providers, dealers, and brokers. Users create reusable finance scheme templates and apply them to searchable asset trees, receiving full amortisation schedules and instant quotes across multiple product types via a single endpoint.
Funding
Funding not disclosed
Founders
Product
Problem
Finance providers, brokers, and dealers often rely on spreadsheets or custom-built tools to calculate asset finance pricing, manage product configurations, and maintain asset inventories. This manual approach is error‑prone, slow, and difficult to scale across multiple products, asset types, and customer groups.
Solution
Calcemy offers a single REST‑API platform that centralises finance product configuration, asset hierarchy management, and pricing calculations. Users define finance schemes—including rates, deposits, residuals, fees, and commissions—in reusable templates, then map those schemes to assets organized in searchable, condition‑filtered hierarchies. A single API call applies the selected template and returns a full amortisation schedule with sub‑100 ms response times, supporting multiple product types such as hire purchase, finance lease, operating lease, contract hire, and loans. The platform also provides multi‑tenant customer groups, expression‑based formula support, VAT handling, and flexible payment profiles, enabling instant, consistent quotes across dealer portals, broker platforms, CRM/LMS integrations, mobile apps, and AI assistants.
Target Audience
Primary customers are asset finance providers, vehicle and equipment dealers, and brokerage platforms that need automated, scalable pricing and product configuration across diverse asset inventories.
Features
- Hierarchical asset trees with search, browse, and condition (new/used) filtering
- Template‑driven finance scheme management (rates, deposits, residuals, fees, commissions) with draft/publish workflow
- Multi‑product pricing engine (hire purchase, finance lease, operating lease, contract hire, loans) from a single endpoint
- Ability to solve for any variable (payment, yield, deposit, residual, balloon, margin, commission, advance)
- Full amortisation schedule output, including VAT options and customizable payment profiles
- Customer‑group segmentation for dealers and brokers, ensuring each sees only assigned schemes
- Expression support for dynamic formulas (e.g., "0.1*saleprice") without hard‑coded values
- Secure API key authentication, usage quotas, and audit tracking