MarkazFlow
A SaaS for installment traders covering inventory, customers, sales and payment recovery. Built for a regional retail chain, moving 10,000+ accounts off paper.
- Client
- A regional retail chain
- Industry
- Installment retail
- Stage
- 0 → Production
- Our role
- Migration, platform and rollout
Updated
Results
- Hours saved per month on manual coordination
- 30+
- Customer accounts migrated with zero data loss
- 10,000+
- Improvement in payment recovery (Q1)
- 40%
Installment sales on paper ledgers.
A retail chain selling motorcycles and electronics on installment plans ran everything on paper ledgers, handwritten cards and spreadsheets. Balances were worked out by hand, stock drifted out of sync between branches, and overdue accounts went unchased for months.
- Write the sale on a handwritten card
- Work out the balance by hand
- Check stock branch by branch
- Phone overdue customers one by one
4 steps
Overdue accounts went unchased for months.
- Record the sale at the counter
- Contracts, stock and reminders follow from it
2 steps
Every branch works from the same numbers.
The migration was the hard part.
Years of balances and partial payments sat in messy spreadsheets and handwriting. We cleaned and checked that data before writing the new system, and built on strict transactions so installment math could never drift.
Clean the data first
A cleansing and validation pass came before any new code was written.
Installment math you can trust
Grace periods, multi-year schedules and custom terms run on strict database transactions.
A product from day one
Built to run as SaaS, not as a one-off internal tool.
- Where it livedPaper ledgersHandwritten cardsSpreadsheets
- Before any codeCleanse and validateChecked against the paper logs
- Where it lives now10,000+ accountsPostgreSQL, zero lost
One system for every branch.
What is now MarkazFlow: a SaaS platform for installment businesses, covering inventory, customers, sales and payment recovery. It was rolled out in five phases and checked against the client's paper logs before the switch.
- At the counterSales and paymentsNext.js counter workflowStockTracked by serial number
- ContractsAutomated contractsInstallment schedules and terms
- CoreOne source of truthNestJS API, PostgreSQL
- CollectionsRisk-scored viewWhatsApp reminders
- Every branchShared, consistent recordsContracts, payments, stock
What's in it
Counter workflow
A fast screen for sales reps to take payments and sell stock.
Serial-level inventory
Every item tracked by serial number across branches.
Automated contracts
Installment contracts generated from the sale, not written by hand.
Risk-scored collections
Overdue accounts scored by risk, so the right ones get chased first.
WhatsApp outreach
Payment reminders go out on WhatsApp instead of phone rounds.
Multi-branch consistency
Every contract, payment and stock movement stays in step across branches.
How we rolled it out
Migration
Clean and move 10,000+ accounts.
Schema
Contracts, payments and stock.
Frontend
The counter workflow.
Collections
Risk scores and WhatsApp.
Training
On site, before the switch.
What we owned
- Data migration
- Product design
- Frontend
- Backend
- Collections
- Training
Built with
- TypeScript
- Next.js
- NestJS
- PostgreSQL
40% better payment recovery.
10,000+ accounts moved over with no data lost, and payment recovery rose 40% in the first quarter. Because it was built as a product from day one, it grew into MarkazFlow, a SaaS product for installment businesses.
- Paper ledgers and spreadsheets
- 10,000+Accounts migrated, none lost
- +40%Payment recovery in the first quarter
- Now MarkazFlow, a SaaS product
No data lost
Every account was checked against the paper logs before the switch.
Branches in step
Stock and balances match across every branch.
From one client to a product
It now runs as MarkazFlow, for small and medium installment traders.
Have something similar in mind?
Start with a one-week discovery sprint, or tell us about the project.