01
Schedules you never rebuild by hand
Annuity, straight-line principal or bullet, with grace periods and fixed or floating rates. Change the rate and the schedule regenerates without losing history.
doxloan · IFRS 9
Your loan book stops being a spreadsheet full of formulas.
Origination, repayment schedules, effective interest rate, staging and expected credit loss under IFRS 9 — accrued automatically at close and posted to doxaccount.
WHAT IT SOLVES
The amortization sheet only its author understands.
02
IFRS 9 with no parallel sheet
Amortized cost at the effective interest rate (EIR), stage 1/2/3 classification, and expected credit loss computed by the system — not by an inherited formula.
03
Close without accruing by hand
Interest accrues on its own at period close and posts to the doxaccount GL. So do impairment provisions.
CAPABILITIES
What's included.
- Origination with partial disbursements, fees and linked collateral.
- Annuity, straight-line-principal and bullet schedules, with grace periods.
- Fixed and floating rates with a per-contract change history.
- Amortized cost at the effective interest rate (EIR / IRR).
- Stage 1 / 2 / 3 classification driven by days past due and your own criteria.
- Impairment and expected credit loss (ECL) with automatic provisioning.
- Automatic interest accrual at period close.
- Collections, payment application and refinancing with full traceability.
- Multi-currency with historical FX, like the rest of the platform.
Built for non-bank lenders, credit unions, companies that lend to customers or employees, and holdings carrying intercompany loans.
INTEGRATES WITH
Posts interest, impairment and write-offs to the doxaccount GL. Collections land and reconcile through doxbank, and borrowers live on the same doxadmin ledger.
PRÓXIMO PASO
Is your loan book living in a spreadsheet?
We show a loan being booked: schedule, monthly accrual, staging, and the journal entry it produces.
OTROS MÓDULOS