Export once. Send with confidence.

• PDF pack with your company identity (logo, applicant details, request summary).
• Forecast section with period-by-period cash flow and flags (e.g., minimum cash breach).
• Assumptions section so the lender understands the logic behind the projection.
• Selected scenario summary and the full amortization schedule.

Scenario Lab: Stress-Test Loans Before You Commit

Create multiple financing options and simulate them against your forecasted cash flow. The goal is not just a payment amount—it is a scenario that survives real cash constraints.

1. Build scenarios: principal, term, payment frequency, fees.
2. Choose fixed or variable rate (index + spread).
3. Model amortization: grace months, interest-only months, balloon payment.
4. Simulate and generate the payment schedule automatically.
5. Evaluate results: min cash, DSCR, pass/fail constraints, rank score, total interest.

Cash Flow Forecasting Built on Accounting Truth

The forecast engine reads your posted accounting reality (bank/cash liquidity movements) and produces a period-by-period cash view with opening/closing cash.

• Liquidity movements from posted entries in bank/cash journals.
• AR/AP timing projections using configurable collection/payment days.
• Recurring inference from recent history with optional growth rates and seasonality.
• Manual adjustments for one-off events (capex, refunds, extraordinary expenses).

Classification You Can Control (No “Black Box”)

Forecast quality depends on correct cash flow buckets. Configure mapping rules per company and keep “unclassified” cash under control.

• Map cash movements by Account, Journal, or Account Tag.
• Priority-based resolution when multiple rules match.
• Automatic tracking of unclassified share with a configurable threshold warning.
• Designed for finance workflows: start simple, refine mapping as you see exceptions.

External Data Series + Auto-Sync (Variable Loans)

For variable-rate structures, connect scenarios to external series (index + spread) and keep data current. The module includes provider examples (e.g., ECB FX) and a daily auto-sync job.

• External series registry with units & frequencies.
• Manual sync button + automatic daily sync via scheduled action.
• Store historical points for “as-of” valuation and repeatability.
• Ready for extension: add your own providers and series codes.

Governance, Auditability, and Team Workflow

Forecasts and scenarios are not “one-off spreadsheets.” They are records in Odoo with history and controls.

• Compute → Lock workflow: protect published numbers from accidental recomputation.
• KPIs stored with the forecast (e.g., min cash, min DSCR, leverage estimate).
• Multi-company ready: mappings, assumptions and objects are company-aware.
• Collaboration: chatter/activity mixin for traceability in finance operations.

Technical Notes (Transparency)

• Reads posted accounting data for liquidity movements; it does not rewrite your journal entries.
• Forecast computations use Python analytics (pandas) for recurring pattern inference (install as a server dependency if needed).
• External series are stored as points with sync timestamps/errors for repeatability and auditing.