Manage your entire loan book with confidence

Acquire gives lending businesses a single, real-time view of every deal, from application to settlement, without the spreadsheet chaos.

In loans under management

R 0 bn+

implementations

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years in debtor management

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The problem

If you are running a growing loan book on spreadsheets, or on a system that was never built for lending, the most expensive problems are the ones you cannot see. A debtor can go quiet for ninety days before anyone notices. A required compliance letter can sit missing from a file for weeks.

The cost builds quietly, out of sight, until it surfaces as arrears you never budgeted for or a compliance gap you cannot explain. As the book grows, manual oversight stops being enough.

What is Acquire?

Acquire by Xpertek is loan and debtor management software for lenders in Africa and beyond. It manages the full life of a loan, from application to settlement, across asset finance, rentals and leases, revolving credit, and unsecured lending. Over R21bn in loans is managed on Acquire today, by businesses that range from three-person startups to lenders running hundreds of thousands of deals.

Over R21bn in loans sits under management on Acquire today.

One view of every client, across every product

Acquire gives you a single, real-time view of each client across all products, structures and business units within your organisation. Whether a client holds one deal or fifty, and whether those deals are asset finance or revolving credit, you see the whole exposure in one place.

That single view is the difference between reacting to problems after they appear and seeing them while there is still time to act.

Configured to how your business actually works

No two lenders run their book the same way. Acquire is purpose built to be configured around your products and your rules. Within each product you can set up:

Multiple fee types: once-off, financed, or recurring

Annual escalations built into the product term

Interest on a 360/365 or 360/360 basis, with fixed, flexible, or multiple rates

Penalty interest on arrears, applied automatically

Payment holidays, interest-only periods, and other flexible payment structures

Payouts to more than one beneficiary on a single deal

Built for your lending line

Each business line runs on the same core platform, configured for how that market actually works and designed to scale with your business.

Asset finance

Manage the full contract lifecycle across a wide range of asset classes, including vehicles, yellow metal, medical - and office equipment, agricultural assets, and home loans.

Origination of asset finance deals with automated or manual credit scoring

Flexible fee and payment structures, including payment holidays, balloon payments and residual values

Recording of assets against each deal

Recording of securities: Natis documents, title deeds, cessions, and suretyships

Funder management for discounted and securitised deals

Rentals and leases

Run the full cycle of a rental or lease, including the parts most systems do not handle well.

Operating and financial leases

Disclosed and non-disclosed rentals, discounted or financed in-house

Secondary rentals, the month-to-month continuation after the initial term

Funder management for securitised deals

Revolving credit

Automate the accounts that never stop moving, from closed-loop credit card accounts to overdrafts and open-ended loans.

Rules engine for product creation and maintenance

Automated statements on multiple cycles

Adjustable credit limits, with limit expiry and review dates

Payment reconciliation with merchants, employers, or debit orders

Unsecured lending

A clean starting point for unsecured loans or a new lending business, built on the same engine as the rest of Acquire.

Credit scoring quotations, and amortisations

Interest calculations, payouts, and collections

One customer-centric record for every borrower and employer

Payment reconciliation with merchants, employers, or debit orders

Premium billing

Manage any recurring collection where there is no capital attached, such as funeral policies, insurance premiums, memberships, and monthly contributions.

Fixed recurring amounts over a defined term

Suited to any regular collection, not only policies

Built for South African lending compliance

Acquire is built for the way lending is regulated in South Africa. Standard document templates are included, these include statements, settlement letters, rate change notification letters . Xpertek’s handling of personal information is governed by POPIA, and the company maintains a PAIA manual for statutory access to information.

Documents and reporting

Industry documents are auto-populated and linked to the right debtor or deal, so the paperwork keeps pace with the book. Every deployment includes standard reports for new business, aged arrears analysis, book amortisation, delinquent customers, settlements, and trial balance, with a built-in report builder for anything specific to your business.

Proof

Over R21bn in loans is managed on Acquire, across 100+ implementations in 18+ countries, backed by 22+ years of debtor management experience.

"I wanted to let you know that our experience with Xpertek thus far has been great. Your team has been extremely efficient, and has been available constantly to sort out any teething issues that we experienced. We have thoroughly enjoyed working with them, and I can't praise your project manager highly enough in her efforts to make sure the implementation went smoothly. It is not often that you come across client service like this and we really appreciate it."

DIRECTOR

VEHICLE FINANCE COMPANY, KZN

"Implementing the Acquire loan management system has transformed our operations. It has streamlined our processes, and significantly boosted productivity and turnaround in finalising loan payouts. The solution has truly enhanced our efficiency and accuracy."

COO

EQUIPMENT RENTAL COMPANY, JOHANNESBURG

Development and support, in-house

All Xpertek development and support is done in-house. The team that builds Acquire is the team that implements and supports it, which means clear accountability and no third-party handoffs from the first conversation to go-live.

Frequently asked questions

What is loan management software?

Loan management software runs the life of a loan contract after it is originated, from activation through billing, collections, arrears, and settlement. It replaces the spreadsheets and manual steps that most lenders start with, giving one accurate, real-time view of the whole book.

What loan types can Acquire manage?

Acquire manages asset finance, rentals, financial and operating leases, revolving credit, unsecured lending, and premium billing on one platform. Each product is configured to include your fee structures, interest bases, and payment rules, and every product a client holds is visible from a single customer record.

Can Acquire handle asset finance and equipment rental?

Yes. Acquire manages the full asset and rental lifecycle, including residual values, secondary rentals, and funder management for discounted or securitised deals. It records assets and securities such as Natis documents, title deeds, and suretyships against each deal.

Is Acquire suitable for a small or new lending business?

Yes. Acquire Lite is a cloud-hosted, pre-configured entry point managed by Xpertek, so you can get to market quickly without employing IT staff. It runs on the same engine as the full system, so there is a clear path to a fully configured version as your book grows.

Does Acquire support South African regulatory compliance?

Yes. the standard document set, alongside settlement and notification letters, is in line with NCA requirements. Data handling is governed by POPIA, and Xpertek maintains a PAIA manual.

Can Acquire connect to our existing systems?

Yes. Every action in Acquire is available through an API, so it can sit behind your own front-end, CRM, or origination system. Acquire also integrates via web services and hand-off files, with the method scoped to your requirement.

Do you offer a demo site we can try?

Acquire is configured around your business, so every demo starts with a short conversation about your loan types and deal structures. We then show you the system set up for how you actually work, rather than a generic version built for a different lending model.

Let's talk about your loan book

If payment volumes are growing faster than the systems processing them, a short conversation is the best place to start. Pick the session that matches your role.