Transforming Leasing. Beyond Software.

Charisma Asset

Charisma Asset Finance

Finance Universe

Universe

TotalSoft is a global leader in digital transformation for asset finance and leasing. With 30+ years of expertise, we empower financial institutions, captives, and leasing companies to replace manual processes with intelligent, scalable, and compliant digital ecosystems.

TotalSoft is a global leader in digital transformation for asset finance and leasing. With 30+ years of expertise, we empower financial institutions, captives, and leasing companies to replace manual processes with intelligent, scalable, and compliant digital ecosystems.

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We believe every client is a valuable, long-term partner.

+1,000

clients

+15

industries

+40

countries

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We know your industry.

We solve your challenges.

Leasing Company

Dealers / Vendors

End Clients

Sales Portal

The all-in-one platform to sell, finance, and track asset deals

Advanced Deal Simulator

The shortest path to a win-win-win proposition for negotiated deals

Floor Plan and Stock Financing

Floorplan Management gives leasing companies real-time control and visibility over stock financing requests.

Risk Application

Balancing business growth with compliance and risk control

Quick Contract Activation and Asset Delivery

Smooth Contract Creation & Activation ​

Contract Management and ERP

Manage Contract Events, Flows & Operations with native built-in connections between operational flows and accounting​​

s:martha – the AI Companion

s:martha serves as a Sales Assistant by vetting new clients, suppliers, and assets. It also acts as support for any role by providing relevant information in real-time. Depending on the context, it can assist with tasks related to compliance, risk management, portfolio management, collections, and customer services.

Quotation Tool

A digital tool for fast, accurate financing quotes that integrates client data, asset selection, and customizable financial products in a guided workflow. It automatically generates comparable quote options, reduces errors and approval time, ensures transparency, and enables a seamless transition from draft quotes to financing applications with status tracking.

We know your industry.
We solve your challenges.

Leasing Company

Dealers / Vendors

End Clients

Sales Portal

The all-in-one platform to sell, finance, and track asset deals

Advanced Deal Simulator

The shortest path to a win-win-win proposition for negotiated deals

Floor Plan and Stock Financing

Floorplan Management gives leasing companies real-time control and visibility over stock financing requests.

Risk Application

Balancing business growth with compliance and risk control

Quick Contract Activation and Asset Delivery

Smooth Contract Creation & Activation ​

Contract Management and ERP

Manage Contract Events, Flows & Operations with native built-in connections between operational flows and accounting​​

s:martha – the AI Companion

s:martha serves as a Sales Assistant by vetting new clients, suppliers, and assets. It also acts as support for any role by providing relevant information in real-time. Depending on the context, it can assist with tasks related to compliance, risk management, portfolio management, collections, and customer services.

Quotation Tool

A digital tool for fast, accurate financing quotes that integrates client data, asset selection, and customizable financial products in a guided workflow. It automatically generates comparable quote options, reduces errors and approval time, ensures transparency, and enables a seamless transition from draft quotes to financing applications with status tracking.

Driving the future of leasing

Why choose Charisma Financial Solutions?

Why choose Charisma Financial Solutions?

Leasing is evolving, and staying ahead means choosing a platform built for tomorrow.

Digital Demands

Customers expect self-service, speed, and transparency

Digital Demands

Customers expect self-service, speed, and transparency

Compliance Pressure

Regulations grow more complex across markets

Compliance Pressure

Regulations grow more complex across markets

Operational Costs

Manual workflows slow growth and increase risk

Operational Costs

Manual workflows slow growth and increase risk

Optimize your Time-to-Yes

Speed up decision-making and reduce time to approval

Contact Us

Driving the future of leasing

Why choose Charisma Financial Solutions?

Leasing is evolving, and staying ahead means choosing a platform built for tomorrow.

Digital Demands

Customers expect self-service, speed, and transparency

Compliance Pressure

Regulations grow more complex across markets

Operational Costs

Manual workflows slow growth and increase risk

Optimize your Time-to-Yes

Speed up decision-making and reduce time to approval

Contact Us

Our Vision

Zero Back-Office:

Zero Back-Office:

Empowering Brands

Efficiency Reimagined

Efficiency Reimagined

Efficiency Reimagined

We eliminate inefficiencies caused by outdated systems. TotalSoft doesn’t just deliver software — we act as a strategic partner, guiding your complete digital transformation and helping you scale across countries, markets, and business models.

We eliminate inefficiencies caused by outdated systems. TotalSoft doesn’t just deliver software — we act as a strategic partner, guiding your complete digital transformation and helping you scale across countries, markets, and business models.

Team Working
Team Working

Services

Charisma Financial Services

AI-Powered Services

One Ecosystem, Many Solutions

One Ecosystem, Many Solutions

Charisma Asset Finance

End-to-end lifecycle management for leasing, loans and credit

Villa

Scalable & Flexible

Cloud or on-premise, multi-country, multi-language and compliance-ready

Paper Floating

Collaboration Hub

A vertical ecosystem that unites financiers, dealers, manufacturers and institutions

Car

Modern Technology

API-first, AI-driven, microservices-based and future-proof

Man Wearing Glasses

All you need

What you gain?

What you gain?

What you gain?

From Complexity to Competitive Advantage

From Complexity to Competitive Advantage

From Complexity to Competitive Advantage

Faster Growth

Quicker time-to-market for new products and services

Faster Growth

Quicker time-to-market for new products and services

Operational Excellence

Automated workflows and streamlined back-office

Operational Excellence

Automated workflows and streamlined back-office

Client Experience

Digital onboarding, self-service portals, real-time decisions

Client Experience

Digital onboarding, self-service portals, real-time decisions

Compliance & Trust

Built-in regulatory frameworks across 40+ countries

Compliance & Trust

Built-in regulatory frameworks across 40+ countries

Man Using Laptop
Man Using Laptop
Rays

Our Solutions

Out of the box solutions

Rays

Our Solutions

Out of the box solutions

Rays

Our Solutions

Out of the box solutions

Testimonial

Trusted by Global Leaders

What Our Clients

in Finance & Leasing

in Finance & Leasing

“By implementing Charisma, we've reached an important milestone for modernizing our IT and for establishing the foundation of the strategic development of our internal business. Especially for our vendor partners, the sales finance business in the international area is done faster, with more transparency and within an unified process al all our units' level in the Deutsche Leasing international network”

Rolling Out in 21 Countries

Deutsche Leasing

“I am particularly proud on the speed and the quality of the achieved Charisma implementation. All of us knew as from the beginning that the challenge would be huge as we worked in a very tight timeframe due to the regulatory constraints. Excellent spirit and exemplary solidarity between TotalSoft's implementation team, BGL BNP Paribas' IT specialists and the key users of BNP Paribas Leasing Solutions allowed us to realize the target within the fixed plan”

One Team

BNP Paribas Leasing Solution

“In our field of activity, besides the actual technical proposal, what really matters is the quality of services, the professionalism and the time required to answer the client's request, no matter if the client is a dealer or the final customer. The prject "Quick Quotation" as we called it, is a BCR Leasing innovation and we have the conviction that it will change the way many leasing companies work”

Service Quality and Time-to-Yes

BCR Leasing (Erste Group)

Let’s Build the Future of Asset Finance Together 

Let’s Build the Future of Asset Finance Together 

Contact Us

We know your industry.

We solve your challenges.

Dealers / Vendors

End Clients

Leasing Company

Sales Portal

The all-in-one platform to sell, finance, and track asset deals

Advanced Deal Simulator

The shortest path to a win-win-win proposition for negotiated deals

Floor Plan and Stock Financing

Floorplan Management gives leasing companies real-time control and visibility over stock financing requests.

Risk Application

Balancing business growth with compliance and risk control

Quick Contract Activation and Asset Delivery

Smooth Contract Creation & Activation ​

Contract Management and ERP

Manage Contract Events, Flows & Operations with native built-in connections between operational flows and accounting​​

s:martha – the AI Companion

s:martha serves as a Sales Assistant by vetting new clients, suppliers, and assets. It also acts as support for any role by providing relevant information in real-time. Depending on the context, it can assist with tasks related to compliance, risk management, portfolio management, collections, and customer services.

Quotation Tool

A digital tool for fast, accurate financing quotes that integrates client data, asset selection, and customizable financial products in a guided workflow. It automatically generates comparable quote options, reduces errors and approval time, ensures transparency, and enables a seamless transition from draft quotes to financing applications with status tracking.

Become a Partner

Global Growth Through

Strategic Partnerships

Join forces with us to access new markets through our proven business models for integrators, reselling, and implementation partners tailored to local needs.

Contact Us

Become a Partner

Global Growth Through

Strategic Partnerships

Join forces with us to access new markets through our proven business models for integrators, reselling, and implementation partners tailored to local needs.

Contact Us