Step 1: General information
Name your debt (e.g. “Company Loan” or “Fleet Leasing”).
Enter the capital amount (or tax-exclusive rent for leasing).
Select your entity if you’re working at the consolidated level.
Set the currency (entity default is suggested).
(Optional) Add tags and PDF documents for future reference:
Use tags (e.g. bank name, project) to filter or group debts later.
Store relevant PDFs (like contracts) to have them always at hand.
Step 2: Debt type and interest calculation
Choose the debt type:
Fixed rate loan
Variable rate loan (with optional hedging)
Leasing
Other
Decide how to fill the amortization schedule:
Import an .xlsx file if you already have a repayment plan.
Generate automatically by entering basic financing conditions:
Amortization type (constant amortization, constant annuities, in fine)
Interest/margin/index rate
Number of installments & payment frequency
Loan start date & first installment date
(New) For variable-rate loans, you can now select the "constant annuity" amortization type (also known as "alla francese"). With this option, each annuity's amount will be revised based on the remaining number of installments and outstanding capital. If the rate remains constant, annuities will also remain constant.
(For variable-rate loans) Add hedging instruments if needed:
Specify the type (cap or swap), rate, and period.
Choose the percentage of outstanding capital covered (e.g. 70%).
Step 3: Debt schedule
Review the schedule to see your upcoming payments (capital + interests).
Auto-compute or override:
If “Recompute interests automatically” is on, Agicap recalculates interest for future schedules (useful for variable rates).
If off, you decide the final numbers.
(Updated) For variable-rate loans, Agicap now automatically updates the forecast value of future installments daily based on Euribor or other index variations. This ensures your expected transactions in the cash forecast remain accurate.
Download the schedule anytime as an Excel file.
Create automatic expected transactions
Check “Create expected transactions related to this debt” during Step 1.
Select the bank account in the same currency where amounts will be debited.
(Updated) Agicap automatically updates these installments in your cashflow forecast for the next 6 months, reflecting any changes in the index rate (e.g., Euribor). They can be categorized and assigned to projects as usual.
💡 Tips
Use tags (e.g. “Real Estate,” “Car Fleet”) to easily filter debts in your plan or dashboards.
Preview any uploaded PDF right from the debt’s side panel for quick checks.
(Updated) If your interests change (e.g. updated Euribor), keep “Recompute interests automatically” on so that future installments stay accurate. For customers with pre-amortization installments (where only interest is paid), a separate debt should be added for the pre-amortization period.
FAQ ❓
Can I add multiple PDF documents to my debt?
Yes. You can upload as many PDF documents (<50 MB each) as you want during Step 1 (General Information). You can open, download, or remove them later when editing the debt.
What if I only want to import interest amounts and let Agicap calculate the capital repayment?
Set your debt type to a variable rate loan, generate or import the capital payments in Step 2, and leave “Recompute interests automatically” active. Agicap will then calculate interests based on the chosen conditions.
How can I filter my debts in a custom dashboard?
Use your chosen tags or the debt name. When creating a dashboard dataset, select the relevant tags and decide if you want debts matching “any” or “all” of those tags. This gives you the flexibility to group debts or look at specific categories.
What if my bank uses unsupported index-fixing methods?
If your bank uses unsupported index-fixing methods (e.g., average Euribor values or index revisions every 3 installments), you can add a swap with the reference index value on 100% of the notional during the selected period. This workaround ensures installment amounts remain accurate.