Your bank debt, in your cash plan.

Track your loans and credit lines, monitor your covenants and finance your receivables — every upcoming instalment counted in your forecast.

Demo data

The life of a financing, from contract to final instalment.

01 · RECORD
A wizard guides the entry of a loan, a lease, a credit line or a discount line.
02 · SCHEDULE
Tresoria calculates the schedule from the rate, the term and the repayment method, or reads it from the bank's Excel or CSV file.
03 · FORECAST
Each upcoming instalment becomes a committed operation, counted by your cash plan.
04 · TRACK
Early repayment, renegotiation or rescheduling recalculate the schedule.

Covenants

Net debt / EBITDA, DSCR, gearing, minimum cash, equity / total assets: each ratio tracked against its threshold.
The value is calculated by Tresoria from the last 12 months' EBITDA, or entered by you.
A projection shows the expected status at the next test, based on the cash plan.
An alert goes out 30 days before a test, when headroom is low and in case of breach.

A loan follows a reference index with a margin and a floor rate; its revisions are kept in history.

Simulate discounting, factoring or invoice advances, compare the cost with the overdraft, then create the operation. With the Customers module.

For each account: authorisation, average and peak usage, days in debit and cost for the month, with a consolidation proposal.

A thirty-minute demo, with your statements. No commitment.