Why debt belongs next to cash
Most treasury teams track debt in a separate spreadsheet. That works until someone needs a quick answer: how much is due next quarter, whether a covenant is getting close to its limit, or why the balance on a dollar loan went up. Answering means lining up the debt file against the forecast by hand.
In FLIQO, every contract's payments are already in the forecast. When a rate resets or a loan is prepaid, projected cash updates on its own, with nothing to copy across.
Loans and credit lines
Each contract goes in with the terms that were actually signed: fixed or floating rate, the reference index, fees, grace period, payment currency and the prepayment clause. If one drawdown carries a different rate from the rest, it's recorded that way. Syndicated loans keep each lender's share.
For floating rates, FLIQO pulls the indexes from the institutions that publish them, such as SOFR, €STR or Colombia's IBR. If a period's fixing hasn't been published yet, you get a warning instead of a payment calculated on a guessed rate.
Credit lines are recorded with their limit, how much is drawn and when they expire, so the funding calendar knows how much financing the company can call on at any point.
Issued bonds
An issue is recorded the way the prospectus lays it out: the program, the issue and each of its series. When a series is placed in several tranches, each placement keeps its own date and price, and the coupons show up in projected cash.
Buybacks, early redemptions and refinancings are recorded too. When a new bond is issued to buy back an older one, the two transactions are linked, so anyone reviewing the month can see that the cash coming in and the cash going out came from the same decision.
Alerts before debt can be called early
A breached covenant or a missed cure period can make debt payable before its maturity. FLIQO sends a daily heads-up to the people who follow the debt: which covenant is about to be tested, which deadline is close, which contractual option is opening, which payment is coming up or still unpaid, and which rate is still waiting to be fixed.
Your company decides how many days in advance it wants to hear about each one, and from what amount.
Accounting measurement
Your company states once how it measures debt, at amortized cost or at fair value, and that policy is signed off by two people. From then on, every contract is measured under the policy in force.
For foreign-currency debt, FLIQO remeasures the balance at each close and keeps the exchange-rate effect apart from interest expense. That way you can explain how much the debt grew because of the currency and how much because of interest.
FLIQO works out the figures and hands them over with their ledger accounts. Your accounting system still does the bookkeeping.
Ask Aria
Aria is FLIQO's treasury assistant. You can ask her which debt payments are due this week, whether any are overdue, or which rate fixing is still pending. She answers from the same data the screens show, within the permissions of whoever is asking. If a payment can't be calculated yet, she tells you what's missing.
The same questions can be turned into a debt payments dashboard.
Frequently asked questions
Does FLIQO replace our accounting system?
No. FLIQO measures the debt and provides the figures. Journal entries are still posted in your accounting system.
What kinds of debt can we record?
Bank loans, syndicated loans, credit lines and issued bonds.
Does it handle debt in other currencies?
Yes. Each contract is kept in its own currency and converted into the company's currency, with the exchange difference shown separately.
What happens if we prepay a loan?
FLIQO calculates the penalty set out in the contract, adjusts the schedule to the remaining principal and updates projected cash.