The loans module tracks every company debt paid in installments: bank loans, financing, leasing, working capital, government credit lines, consortiums and also tax installment plans. For each contract you see how much you've paid, how much is left and when the next installment is due. Each payment comes out of the account with interest split from principal, because only the interest is a cost. The principal is the borrowed money going back.
Go to Management › Loans. The page is called Loans and Financing.
For the example we'll use Estúdio Aurora, Marina's design studio. She took R$ 30,000 of working capital from Banco Inter at 1.5% a month, in 12 monthly installments, and the money landed in Conta PJ Inter on October 5.
Register the contract
Click New loan. The form opens on its own page, with these fields:
- Title and Type. The type can be loan, financing, leasing, CDC (consumer credit), working capital, Pronampe, government program (BNDES, FCO etc.), receivables advance, overdraft, microcredit, consortium, rural credit or other.
- Creditor: who granted the credit. The search runs on your Clients and suppliers. If the creditor isn't registered yet, type the name and use the option to register it right there. In a tax installment plan, the creditor is the federal revenue service or the city.
- Contract Number.
- Linked account: the account the money came into and the installments are paid from.
- Credit the received amount to the account and Date received, explained below.
- Total Amount, Interest Rate and Interest Type (monthly or annual).
- Start Date, Payment Frequency (monthly, biweekly, quarterly, semiannual or annual), Payment Day and Total Installments.
- Installment Amount, with the option Calculate installment automatically.
- End Date, Currency, Guarantee Type (property, vehicle, equipment, financial investment, guarantor or other), Guarantee Description, Contract (File) and Notes.
Watch the Start Date: it's the contract date, not the first installment's date. The first installment is due one period later, and the form shows that date right below the field before you save. Marina entered October 5, monthly, payment day 5, and the form showed: 1st installment due on 11/05/2026.
With automatic calculation, the installment follows the Price method, with a fixed amount. For R$ 30,000 at 1.5% a month over 12 installments, Marina's installment came to R$ 2,750.40. If the bank quoted a different amount, turn off the calculation and type the contract's amount.
The money that came into the account
With Credit the received amount to the account checked, the Total Amount goes into the linked account's balance on the Date received. Marina's Conta PJ Inter went up R$ 30,000 on October 5.
That inflow isn't revenue: a loan is debt, so it appears in the account statement but stays out of the income statement and the revenue reports. If you already recorded the inflow manually, uncheck the option, or the money will count twice in the balance.
A contract that was already being paid
If you're registering an older contract, edit it after saving and enter today's Installments Paid and Remaining Amount. You can only do this while no payment has been recorded in Finances. From the first payment on, those two numbers are calculated from the payments.
Track it in the list
The list shows description, type, total amount, installment amount, outstanding balance, progress (3 of 12 installments paid) and status. You can search by description, institution or contract and filter by status.
The statuses are Active, Delayed, Renegotiated and Paid off. You pick the first three when editing, to flag the contract's situation. Paid off comes on its own when the last installment is paid, and only goes away if you reverse an installment.
Pay an installment
In the row menu, click Pay installment (the installment number shows on the button). The payment window shows the installment amount, how much of it is Principal, how much is Interest and the scheduled date, and asks for:
- Payment Date.
- Payment Method.
- Account: it comes filled in with the linked account, but you can pick another.
- Notes.
Interest is calculated on the outstanding balance at that moment. On Marina's first installment of R$ 2,750.40, interest was R$ 450.00 (1.5% of R$ 30,000) and principal was R$ 2,300.40.
When you confirm:
- The full installment, R$ 2,750.40, comes out of the account on the payment date.
- The interest becomes a paid expense in the system category Loans, which the income statement treats as a financial expense.
- The principal reduces the outstanding balance, which drops to R$ 27,699.60, and doesn't become an expense.
- The next installment moves to the following period.
That's why the income statement doesn't show the whole loan as a cost: the cost of borrowing R$ 30,000 is the interest, and that's the only part that lowers the result.
Details, contract and reversal
Under View details you'll find all the contract data, the guarantee, the contract file to download and the Payment History, with each installment's date, principal, interest, total and account.
Paid by mistake? Use Reverse installment in the history. The amount goes back to the account on the original payment date, the interest expense is removed, and the outstanding balance and installments paid go back to what they were.
Only the last paid installment can be reversed. Reversing one in the middle would mean recalculating the interest on the following ones, which already landed in closed months. If the mistake was on an older installment, reverse from the latest backwards until you reach it.
A contract with a paid installment can't be deleted. Without payments, deleting it undoes the credit of the amount received, with a reversal entry in the statement.
Tax installment plans
When the company negotiates overdue taxes into an installment plan, register the agreement here, with the tax authority as creditor. Then go to Tax › Taxes and link the overdue bills to that plan. They leave accounts payable, and the contract's details show the section Taxes covered by this installment plan.
Deleting the installment plan returns those bills to pending.
Due-date reminders
The company owner gets installment reminders: three days before the due date, on the day, and a warning when the installment is past due. The channels (email, WhatsApp and in-app) are chosen under Account › Notifications. Paying an installment resets the reminders for the next one.
How loans connect to the rest
- Accounts: the amount received goes into the linked account, and each installment comes out of it, or out of the account you choose.
- Expenses and Income statement: each installment's interest appears as an expense in the Loans category, under financial result.
- Cash Flow: the full installment is a cash outflow on the payment date.
- Clients and suppliers: the creditor is a record from there.
- Taxes: overdue bills can be linked to an installment plan.
- Dashboard: the loans card shows the outstanding balance, remaining installments and the next installment.
Who can do what
Every company role, including Viewers, can see contracts and their details. Registering, editing, paying, reversing and deleting requires the Member role or higher.
Where to go next
- Taxes: link overdue bills to an installment plan.
- Management income statement: how much interest weighs on the result.
- Cash flow: the effect of installments on the month's cash.
- Notifications: choose where installment reminders arrive.
In short: register the contract with creditor, rate and installments, credit the amount received to the account, pay each installment (interest becomes an expense and principal reduces the debt), reverse the last one if you make a mistake and link tax bills to the installment plan that absorbed them.