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If you offer or are planning to offer instalment payments for your products or services, you know it can be messy to keep track of if you have
many instalment accounts. How quickly do you know which payments are due? A good automated system can make the difference between a
regular and profitable income versus a loss-making operation.

Typical businesses which can use the instalment model as a mode of payment include:-

•           Insurance
•           Tuition
•           Health products
•           Electrical products
•           Software
•           Gyms
•           Property
•           And more...
To help you manage instalment payments efficiently, we are pleased to introduce CARAT Instalments, an easy-to-use and compact software system for any business, regardless of the number of customers or products/services they handle.
CARAT Instalments allows you track instalments on a daily, weekly, monthly, bi-monthly, semi-annually, annual or ad-hoc basis. Based on the
total instalment amount due (inclusive of an optional interest amount), it can generate consecutive monthly instalment amounts based on the
number of instalments to pay. Alternatively, you can specify your own instalment frequency and any amount you want.

When receipts for instalments come in, CARAT Instalments has a sophisticated receipt management system that can pick up unpaid
instalment payments and allow you to auto-apply, individually apply or even enter partial payments.

After you have entered your instalment schedules and receipts, what other benefits does CARAT Instalments give you? You can print the
instalment agreement list which is like a statement of accounts for the customer. A receipt list, which you can use to reconcile collections for
the day against bank-ins is also available. For ensuring that your instalment business is running smoothly and credit controls are in-place, an
overdue instalment list tells you which instalments are due but not paid as at a specified date.

Other features and benefits include:-

•           Internal backup and restore modules for data security
•           Help in selecting and adding customers and stocks on-the-fly
•           Help in selecting agreement and receipt numbers
•           Auto-assignment of instalment agreement and receipt numbers
•           User name and password and module access security to prevent unauthorised access to program modules
•           Program and data can be copied to and used from a removable drive for true portability

Download and try out CARAT Instalments via the Downloads menu at the top of this page and experience how it can help you.