Equipment Financing Ecosystem - TRANSACTEquipment Financing Ecosystem - TRANSACT
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TRNSACT: Equipment Financing Ecosystem

To support Trnsact’s growth, NEKLO overhauled its infrastructure with a cloud-native architecture. This shift boosted efficiency by 80% and secured high-stakes F&I data, eliminating silos to enable high-velocity deal cycles.

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About the client

TRNSACT is the "operating system" for equipment commerce. The platform acts as a sophisticated connective bridge that facilitates secure, real-time data exchange between lenders, OEMs, dealers, insurers, and buyers.

By centralizing the deal cycle — from the initial quote to final funding — TRNSACT standardizes document and data flow to offer a transparent, friction-free environment. Their goal is to empower dealers to increase finance penetration without the traditional silos and manual "portal-hopping" that slow down equipment sales.
Country:
USA
Industry:
FinTech
Service:
Financial Software Development
Duration
2020 – ongoing
Model:
B2B/B2C
Team size:
1 front-end developer, 1 full-stack developer, 1 DevOps engineer, 1 QA engineer
Key technologies:
NodeJS, TypeScript, GraphQL
See all

Client’s challenge

The initial application TRNSACT developed struggled to keep pace with the demands of a scaling enterprise. As transaction volumes grew, the legacy architecture began to "hog" server resources, leading to sluggish response times that frustrated users during critical F&I activities. Furthermore, the platform lacked the robust, automated security measures required to maintain long-term compliance and "audit-proof" confidence for institutional lenders.
  • Absence of basic testing & poor testing process
  • No testing documentation
  • Inefficient development methodology
  • Hosting issues
  • CRM failures in data updates
  • Unsatisfactory platform security

Solution

NEKLO stepped in to stabilize the foundation and accelerate feature delivery. We transitioned the platform to a modern tech stack, ensuring that every deal — no matter how complex — is processed through a secure, high-performance pipeline.

Architectural & hosting optimization

We migrated the application to a modern cloud environment (AWS) and introduced lighter, more efficient programming languages. This shift eliminated the resource bottlenecks of the legacy system, ensuring the platform remains responsive even under high concurrent loads.

Flexible form configurator & "lender routing"

To accommodate the unique requirements of various dealers and lenders, we developed a highly flexible internal form configurator. This tool allows for customization of credit applications, ensuring that lender routing is based on clean, structured data that meets specific institutional criteria without manual re-entry.

Upgraded portals & secure integrations

We overhauled the dealer and lender portals and implemented a strict set of rules and restrictions for data display. We also resolved critical failures in CRM data syncs, ensuring that all stakeholders work from a single, synchronized record of truth throughout the transaction.

Automated CI/CD & security hardening

By establishing a high-efficiency CI/CD cycle, we moved from slow, manual releases to a high-velocity delivery model. We integrated AWS GuardDuty and Inspector to provide continuous, real-time security monitoring, ensuring the platform remains compliant with SOC 2 and PCI DSS standards.

Technologies

Front-end
Back-end
DevOps

Front-end

Node.js
TypeScript

Back-end

GraphQL

DevOps

Amazon RDS
Amazon VPC
AWS
AWS EC2
AWS ElastiCache
GuardDuty
Inspector

Process

Using our expertise in high-load fintech environments, we implemented a three-step strategy to transform TRANSACT’s vision into an enterprise-grade reality.

1. Infrastructure audit & architectural roadmap

We performed a deep technical audit to identify the root causes of resource consumption, latency issues, and security gaps. We then mapped out a transition from the outdated, resource-consuming legacy tech to a scalable, cloud-native architecture based on Node.js and GraphQL.

2. Core migration & security improvements

Our team executed a seamless migration to the new environment, prioritizing data integrity and "zero-downtime" for active users. Simultaneously, we implemented an "audit-proof" security layer, utilizing automated monitoring tools to protect sensitive financial data across the entire ecosystem.

3. Product evolution & workflow automation

With a stable core, we shifted focus to the user experience. We deployed the flexible form configurator and upgraded the Dealer/Lender portals to handle complex lender routing and automated compliance checks. This ensured that the platform could handle 18 months' worth of feature backlog in a fraction of the time.

1. Infrastructure audit & architectural roadmap

We performed a deep technical audit to identify the root causes of resource consumption, latency issues, and security gaps. We then mapped out a transition from the outdated, resource-consuming legacy tech to a scalable, cloud-native architecture based on Node.js and GraphQL.

2. Core migration & security improvements

Our team executed a seamless migration to the new environment, prioritizing data integrity and "zero-downtime" for active users. Simultaneously, we implemented an "audit-proof" security layer, utilizing automated monitoring tools to protect sensitive financial data across the entire ecosystem.

3. Product evolution & workflow automation

With a stable core, we shifted focus to the user experience. We deployed the flexible form configurator and upgraded the Dealer/Lender portals to handle complex lender routing and automated compliance checks. This ensured that the platform could handle 18 months' worth of feature backlog in a fraction of the time.
go
go

Deliverables

01
Back-end technologies upgrade
02
Hosting optimization
03
Improved platform architecture
04
Upgraded Dealer and Lender Portals
05
Application forms customization
06
Resource optimization
07
Releases delivery automation
08
Optimization of app forms builder
09
CRM integrations improvement
10
Object-relational mapping
11
System security improvement
12
Testing documentation

Results

NEKLO’s intervention turned a struggling legacy app into a premier fintech powerhouse.
Today, TRNSACT serves as the backbone for hundreds of dealer locations, providing a secure, compliant, and highly efficient workflow for every stakeholder.
80
%
decrease in infrastructure spending
100
%
automated compliance monitoring

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