Subscription & Settlement Programs

Flexible Servicing Solutions for Subscription and Settlement Programs

Subscription-based financing models—covering product-as-a-service, mobility subscriptions, equipment-as-a-service, consumer subscription financing, and service-based recurring revenue models—are gaining traction. Servicing such portfolios demands flexibility in billing, upgrade/renewal workflows, churn management, usage-linked payment models, and recurring revenue monitoring. At Concord Servicing, we deliver servicing infrastructure built for subscription finance portfolios, enabling originators, platforms, and investors to operate at scale.

Key Features:

• Portfolio boarding & contract ingestion: subscription terms, upgrade/renewal cadence, usage-linked pricing, service-level agreements, or included maintenance.
• Billing & payment processing: recurring billing, usage-based charges, upgrade/renewal triggers, payment plan flexibility, and customer self-service options.
• Customer servicing & support: subscriber portal, upgrade/renewal scheduling, usage/consumption tracking, billing inquiries, and subscriber retention workflows.
• Upgrade/renewal and churn management: tracking renewal events, upgrade financing or refinancing, analyzing churn signals, and supporting retention strategies.
• Delinquency/default management & recovery workflows: recognizing early signals of churn/delinquency, usage drop-off, and upgrade deferral, and proactively intervening.
• Portfolio analytics & investor reporting: subscription renewal rates, upgrade incidence, usage patterns, churn/attrition metrics, payment default trends.
• Compliance & audit readiness: consumer-finance regulation applicability to subscription-financing, disclosures, documentation standards, and contract renewal transparency.

Key Benefits:

• Subscription-model servicing expertise: We support recurring-revenue financing workflows, upgrade/renewal triggers, and usage-linked payment models.
• Improved subscriber experience: Seamless portals, upgrade/renewal coordination, and flexible payment options increase retention and satisfaction.
• Churn and retention risk mitigation: Early-warning analytics, usage monitoring, and service workflows aligned with churn signals reduce churn.
• Scalable operations: Outsource the operational servicing burden so you can scale subscriber acquisition, product/partner development, and platform growth.
• Data-driven decision-making: Metrics on renewal, upgrade incidence, usage trends, and default behavior support strategic portfolio management.
• Investor readiness: Subscription-finance portfolios with transparent servicing, visibility into the renewal/upgrade lifecycle, and churn metrics make for more investible assets.
• Flexibility for evolving models: Whether equipment-as-a-service, mobility subscription, product bundles, or service bundles, our servicing platform adapts.

Recurring finance models—such as subscription and settlement-based programs—require specialized servicing for automated billing, recurring payments, and investor reporting.

Concord supports these innovative programs with end-to-end recurring payment management, data transparency, and compliance. We help lenders and investors structure programs that scale while remaining in regulatory compliance.