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HCL Technologies Head Office

HCL Technologies Ltd The Senate #33A, Ulsoor Road, TEL : +91-80-51246800 FAX : +91-80-51246888

Australia Office

Level 23, 111 Pacific Highway North Sydney Australia Tel.: +61-2-9929-9900 Fax: +61-2-9929-9100 Email: [email protected]

China Office

HCL Technologies (Shanghai) Limited 5th Floor, Building 23, 498, Guoshoujing Road PuDong New Area People's Republic of China Tel: +86-0-21-50805106 Fax: +86-0-21-50805776 Email: [email protected]

Germany Office

HCL GmbH Frankfurter Strasse 63-69 Germany Tel: +49 (0)6 196 779 970 Fax: +49 (0)6 196 779 9755 Email: [email protected]

Hong Kong Office

HCL Hong Kong SAR Limited 4203A, 42/F, China Resources Building 26 Harbour Road Tel. : +852-2213-9205 Fax : +852-2802-1160 Email: [email protected]
Hong Kong

India Office

HCL Technologies Ltd Corporate Office A-10/11, Sector- 3 Noida- Uttar Pradesh Tel.: +91-120-253-5071 Fax : +91-120-253-0591 Email: [email protected]

Japan Office

HCL Japan Limited 10F, Sumitomo Fudosan Kudanshita Bldg 3-5, Jimboucho, Kanda, Chiyoda-ku , JAPAN Tel: +81-3-5226-2641 Fax: +81-3-5226-2642 Email: [email protected]

Malaysia Office

HCL Technologies Malaysia SDN. BHD. Level 51, Tower 2 Petronas Twin Towers Kuala Lumpur City Centre, Malaysia Tel: +603-2031-8588 Fax: +603-2031-8587 Email: [email protected]
Kuala Lumpur

Middle East Office

HCL Technologies Middle East Office 201, Building 3 Dubai Internet City Dubai - UAE Tel: +971-4-3913000 Fax: +971-4-3913001 Email: [email protected]

Netherlands Office

HCL Netherlands BV Overgoo 15 2266 JZ Leidschendam The Netherlands Tel: +31 (0)703 012 410 Fax : +31 (0)704 190 067 Email: [email protected]

New Zealand Office

HCL New Zealand Ltd. Level 7, 154 Featherston Street P.O. Box 11542, New Zealand Tel.: +64-4-471-6440 Fax: +64-4-496-5209 Email: [email protected]

Poland Office

HCL Poland Sp. z o.o. Kraków Business Park ul. Krakowska 280 32-080 Zabierzów, Poland Tel: +48 12 390 9000 Email: [email protected]

Singapore Office

HCL Singapore Pte. Ltd. 8 Shenton Way # 16-01 Temasek Tower Tel: +65-62738288 Fax: +65-62780648 Email: [email protected]

United Kingdom Office

HCL Great Britain Ltd Network House, Norreys Drive Maidenhead, Berkshire United Kingdom Tel: +44 (0)1628 778 555 Fax : +44 (0)1628 777 566 Email: [email protected]

United States Office

HCL America, Inc. 330 Potrero Avenue CA Tel: +1-408-733-0480 Fax: +1-408-733-0482 Email: [email protected]


91-44-22540473 Extn 2104


Ravi Shanker
[email protected]

CapitalStream – Equipment Finance Solutions

Equipment Finance

Automate Complex Operations
Equipment finance is one of the most complex finance functions. While customers expect instant turnarounds at the lowest rate, your team must deal with one-off decisions regarding credit evaluations, pricing, payment structures, asset residuals, payoff terms and much more. Effectively handling these special requirements creates loyal customers, but slows down processing. Faced with narrowing margins and increasing competition, you must maintain a high level of customer service, without labor-intensive processes.
That’s where CapitalStream can make the difference between success and failure by fully automating your equipment finance operation – while still letting you handle your exceptions.
Double Throughput with the Same Team
CapitalStream automates the workflow process to streamline lease and loan origination and respond rapidly to customers, vendors and partners. CapitalStream is flexible and configurable to map to your unique processes and handle the all-too-frequent one-off processes.
Utilizing a common platform and an integrated data repository, CapitalStream eliminates redundant data entry, routing the right information instantly to each member of your team. Integrated pricing tools, instant credit bureau pulls, automated scoring and decisioning, vendor program support and full integration with your servicing system transforms inefficient paper-based operations into an automated and integrated straight through process, giving you the responsiveness and agility to multiply throughput by winning and processing more business.
Origination Automation Across Every Channel And Program
As applications come in from your direct sales force, the Web, vendors, dealers, brokers and other channels, CapitalStream automates the origination workflow to capture the information needed and respond quickly. Your partners and customers can collaborate easily with your front office team, with instant access to lease, loan, program, asset and other information and Web-based retrieval of all documents.
Pricing, payment structures, credit decisions and documentation can be generated instantly, with built-in rules-based referrals to manual review and override when needed. CapitalStream transforms paper-based operations requiring intensive manual attention and multiple handoffs into a streamlined workflow, with full management visibility and oversight.
Instant Credit Scoring and Flexible Decisioning
For small ticket transactions, CapitalStream can automatically credit score and decision routine transactions. Credit data is automatically pulled from industry-standard consumer and business bureaus including Experian, TransUnion, Equifax and D&B along with Fair Isaac’s LiquidCredit®. Credit policies can be defined for each program, vendor or customer with automated approvals or declines based on specific scoring rules and decision strategies. Mid ticket deals along with small ticket deals that do not meet auto-decision criteria can be auto-escalated to the appropriate credit analyst, with full visibility of policy exceptions. All decisions and overrides along with the associated rationale are tracked for subsequent retrieval and review.
Flexible Lease and Loan Pricing
Pricing for leases or loans can be negotiated and calculated directly over the Web. Even complex vendor programs including variable payments, reduced rate periods, participation, subsidies, target margins and tax based yield calculations can be automated and still support flexible negotiation. CapitalStream integrates directly with SuperTRUMP, the industry leading lease pricing engine.
A Single Access Point for Information
Paper-based processes are eliminated as your team enjoys full online access to lease documents, portfolio information, credit and exposure data. Customer-facing personnel work with instant access to product and customer information, empowering them to identify specific needs and pursue opportunities for enhanced service, up selling and cross selling. The result? Enhanced productivity, easier collaboration and greater visibility across all relationships, programs and operating units.
Increase Productivity to Handle Growth
With CapitalStream, your equipment finance team can review and update information and documents electronically over the Web. Integrated pricing, credit, documentation and analysis along with seamless interfaces with back office servicing systems, including IDS InfoLease, mean productivity is multiplied through the elimination of redundant data entry and time-consuming pursuits of information. The bottom line: your team spends less time re-entering and looking for data and more time developing new business.
Handle the Exceptions
Every relationship, program and deal is a little bit different. There is no single, static way of financing equipment. CapitalStream’s flexible processing logic allows you to accommodate and automate the exceptions in order to process more of your business automatically. For those things that cannot be automated, configurable business rules flag the exceptions and route them to the right person on the right team, according to the type of exception, source, product, transaction size, asset type, credit score and any other criteria.
Documents Available Immediately Over the Web
CapitalStream’s powerful document generation and distribution tools are specifically designed to handle unique equipment finance requirements including master lease agreements, equipment schedules, certificates of acceptance, etc. Instant browser-based delivery means customers have their completed documents before they leave the office, dealership or Web – increasing the likelihood of winning the business. All information flows from application to documentation with no re-entry of data. Online access to signed documents as well as version-tracking puts an end to resource-wasting paper shuffling and version-management issues.

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