Loans and Funding
Model loans with amortisation, plus equity rounds and funding scenarios with full balance sheet impact.
Loan components in ForezynPlan model debt financing in detail — calculating interest, tracking outstanding balance, and reflecting repayments on your Balance Sheet and Cash Flow.
Adding a Loan component
Click '+ Add Component' → select Loan. Give it a name (e.g. 'Term Loan — HSBC', 'Director Loan').
Setting up the loan
Enter: Principal amount (total borrowed), Drawdown date (when the cash lands), Interest rate (enter as annual %, ForezynPlan converts to monthly), and Repayment start date and schedule (monthly instalment amount or term in months).
How interest is calculated
ForezynPlan uses reducing-balance interest calculation by default: interest is charged on the outstanding principal each month. As you repay principal, the interest charge reduces. This matches standard bank loan behaviour.
What feeds where
Cash inflow: the principal drawdown appears in your Cash Flow as a Financing Inflow on the drawdown date. Interest: appears on the P&L as InterestExpense each month. Repayments: split between principal (Balance Sheet liability reduction) and interest (P&L). Outstanding balance: appears on the Balance Sheet under Liabilities.
Multiple loans
Add a separate Loan component for each debt facility. ForezynPlan aggregates the InterestExpense across all loans on the P&L.
Interest-only periods
Set the repayment start date to a later month to model an interest-only period at the start of the loan (common with growth loans and VC debt).