Rating: 4.9. Number of organizations: 29

Countries: All
Operating system: Windows, Android, macOS
Group of programs: Business automation

Software USU

Accounting of settlements on loans

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  Who is the developer?

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For business owners, even with a successful business, it is periodically necessary to use borrowed funds in order to prevent downtime in the enterprise development cycle. There may be many reasons for this, including the expansion of production, the fulfilment of obligations to partners, the renewal of industrial equipment. The attraction of money from outside can be of a different nature, it can be loans with interest in banks and MFIs, loans from counterparties or private investors. But depending on the purpose and terms for which the funds are allocated, the accounting and reflection in the accounting documentation of each debt depends. Indeed, from the competent, correct settlement of debt obligations, the further activities of the enterprise are regulated, and the potential for its development is determined. A successful business can be built if we establish comprehensive control of internal processes and accounting of loan settlements. The management pays much attention to creating an effective structure to manage the accounting system of settlements on loans, while it is important to display funds received from different sources in different ways. It is this sector of the enterprise's economy that causes some difficulties associated with entering data in the general composition of the company's expenses and property.

And if before there was no alternative in solving the issue of accounting and calculating borrowed funds, and everyone hoped for the professionalism and responsibility of employees, then modern computer technologies are ready to offer a more technological method. Programs can promptly automate processes and, as a result, provide correct, reliable information on credit control, providing management with information about their volumes and current state, analysing the productivity of the application of received loans and their settlement, and therefore making informed decisions in the field of management.

Who is the developer?

Our specialists have studied all the specifics of this topic and created a unique application of its kind - the USU Software, which will not only take over the accounting of loan settlements but also establish a complete document flow of the company. Calculations are carried out in a fraction of a second and will be accurate, and the created information space between the departments of the organization creates a single area for effective communications. In the course of its work, the USU Software prepares reports that will help you choose the most rational and profitable format of obtaining third-party financial resources.

The system provides an accounting of urgent and overdue payments on debt obligations separately. The settlement of loans software considers the terms set in the loan agreement, and if the payment is made earlier, then all subsequent accounting entries go under the ‘urgent’ category. In case of violation of the specified period, a debt arises and, accordingly, the program automatically transfers the control form to ‘overdue’, with the resulting calculation of penalties. When contacting a settlement on a loan, the company can choose the currency in which further payments will be made, but there are specific features that require special attention to the exchange rate difference. In our application, configure the algorithms when the moment is automatically adjusted. The information obtained when the accounting of settlements on bank loans is entered in the column for current expenses in the current period. Since the expenses associated with loans are directly related to the current expenses of the company, they are automatically included in the financial totals, except for targeted loans of the purchase of material, production stocks.

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Who is the translator?

USU Software has a wide functionality of posting all kinds of transactions with cash books, filling out the necessary documentation, acts, and other papers, according to the accepted standards. System settings are flexible and can be changed to suit the needs of the organization. Users of the program are limited to access to certain information, so the staff will not be able to see management or accounting reports, in turn, the management who owns an account with the ‘main’ role has access to all databases, calculations, and any information. Besides, customize the frequency of database backups, change algorithms, and add new samples and templates. The application was created to account for settlements on loans issued in banks or in any other way and is useful for organizations that use borrowed resources in their activities, receiving not only a visual payment schedule but also full control of all aspects related to this. The electronic platform uses data on the loan amount, interest rate, monthly terms, and down payment of calculations. As a result of the application's work, receive a calculation of the payments made, interest accrued to the current moment of the total amount, the remaining debt after making previous payments, and settlement of a loan.

Among the advantages of our program, we would like to note that, despite the presence of the basic version, with many ready-made functional tools, it remains quite flexible and easily adaptable to the specifics of the organization. Depending on the wishes of the customer, we adjust the appearance, a set of options and are ready to make additional integrations with the equipment used in the course of work. The program of accounting of settlements on loans taken from banks, MFIs, or individuals was created after a thorough study of the market situation of automation systems, all the pros, and cons. As a result, the software has combined the experience of other software products, which means that you will get a ready-to-work, streamlined form of business accounting automation!

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Accounting of settlements on loans