Bank and cash

Layers

Layers build on each other and each one works on its own: turn on the next layer when you want it, turn it off when you don't. Turning off deletes no data.

1. Base

   “Let me keep my list in order.”

   Bank accounts, statements and matching

   • Import statements as a spreadsheet, MT940 or camt.053; the reader finds the header row itself
   • Bank rules match a line by its text or the other side's IBAN, set counterparty and cost category, and suggest a matching open invoice
   • Payment runs: pay due supplier invoices, payroll and loan instalments from one account in one go, with a pain.001 or CSV file
   • Credit cards on their own screen with statement day, due day, limit and minimum payment; statements worked out from movements, statement payments recorded from a bank account

2. Tracking

   “Let me not miss what happens when.”

   Loans and instalments

   • 7 loan types (business, investment, revolving line, export, leasing, syndication and other); automatic schedules with equal installments, equal principal or a bullet payment
   • Maturity ladder and bank exposure charts, broken out per currency
   • Debts outside the bank too: from a person, an institution or the tax authority, with an instalment plan typed in by hand

3. Control

   “Let me manage it and account for it.”

   Cash flow projection and scenarios

   • 12-month rolling cash-flow projection — loan payments, invoices, and manual items in one view
   • A day-by-day cash calendar for the next 42 days: opening, in, out, closing and carry-over, with overdue items flagged
   • Base and pessimistic scenarios side by side, with runway in months from the last 3 months' spending
   • Card debt lands on the statement's due day, and customer payments on the day they confirmed