Lease & Installment Sales
Create lease sale accounts with down payments, flexible installment schedules, and branch-specific sale policies. Each customer can hold multiple installment accounts, each tracked separately end to end.
- Down payment & schedule control
- Multiple accounts per customer
- Branch-specific policies
Installment Recovery
Collect installments online, at the branch counter, in full or partial amounts, or via debit/credit adjustment. Every payment posts to the customer ledger instantly with a clear due-date and balance view.
- Online & counter collection
- Full or partial payments
- Live due-date & balance tracking
Inventory & Stock Ledger
Manage branch-level inventory with serial / IMEI / engine / chassis tracking and a complete stock ledger. Every stock-in, sale, and return movement is recorded so your physical and system stock always match.
- Serial/IMEI/engine/chassis tracking
- Branch-wise stock
- Full stock ledger trail
Double-Entry Accounting
A full chart of accounts with sub-heads, debit/credit transactions, and auto-generated slip numbers. Get branch-wise and business-wise reporting so owners and accountants always see the true financial position.
- Chart of accounts & sub-heads
- Branch & business reports
- Auto slip numbers
Multi-Branch Management
Run unlimited branches across cities under one business. Company admins view consolidated reporting for every branch, while each branch admin manages only their own staff, users, products, customers, and accounts.
- Unlimited branches
- Consolidated owner reporting
- Branch-level isolation
Customer Clearance & Defaulter Checking
Before approving a new account, verify whether a customer is a defaulter in any other branch or business. Customer clearance helps you reduce loss ratio and lend with confidence.
- Cross-branch defaulter check
- Lower loss ratio
- Confident approvals
WhatsApp Customer Statements
Let customers check their balance and installment statement on WhatsApp directly from your website. Fewer counter queries, faster answers, and a transparent experience that builds trust.
- Self-service balance check
- Instant statements
- Fewer counter queries
Roles, Permissions & Security
OTP-based verification, role-based access control, and permission-based module access mean every user sees only what their role allows. Every action is recorded for a clear, auditable trail.
- OTP verification
- Role-based access (RBAC)
- Full audit trail
AI Voice Command Assistant
Speak in Urdu or English to navigate the dashboard and fill forms hands-free — powered by Gemini AI. Say 'open customers' or 'add customer, name Ali Khan, mobile 0300...' and watch the right page open and fill itself in.
- Urdu + English voice commands
- Opens pages & fills forms hands-free
- Never submits without your review
Drag & Drop Customizable Dashboard & Reports
Reorder your dashboard cards and sidebar menu, and remove or bring back report columns by dragging — every user gets their own personal layout, saved automatically on their own device.
- Drag to reorder dashboard, sidebar & reports
- Remove/restore report columns anytime
- Personal layout saved per device
Android SMS Integration
Connect your Android phone with Instalify and send real-time SMS notifications directly through your own SIM card. Keep customers informed about purchases, installment payments, due reminders, and account updates without relying on expensive third-party SMS gateways.
- Send SMS using your own mobile SIM.
- No third-party SMS gateway required.
- Instant payment confirmation messages.
- Automatic installment due reminders.
- Purchase and booking notifications.
- Real-time customer account updates.
- Secure connection between Android app and Instalify.
- Affordable SMS solution for retail and installment businesses.
- Easy setup with quick device pairing.
- Reliable delivery using your mobile network.