Every debt obligation in one system of record.
One system of record for every debt obligation.
Debt4 centralizes every debt obligation, from credit facilities to intercompany loans, with native compliance, automated cash flow schedules, and built-in approval workflows.
Instrument Coverage
Compliance and Controls
Cash Flow Automation
Reporting and Audit
Every debt type, one portfolio
Facilities, loans, trade instruments, bonds, leases, and more. One consistent interface across every debt type.
- Credit Facilities: Term and revolving with tranche-level tracking. Rates and amortization per tranche. Capacity and compliance at the facility level.
- Loans: Fixed, variable, interest-only, balloon, and construction. Draw schedules, capitalized interest, conversion dates. Third-party and intercompany.
- Trade Instruments: LCs, bank guarantees, and standby facilities. Fee schedules, amendments, and document attachment.
- Bonds, CP, MTNs, and Leases: Coupon schedules, program limits, tenor management, ROU calculations, deposits, and mirror deals.
Covenant compliance and approvals, native to the platform
Negative covenants, counterparty limits, dealer limits, guarantee tracking, and approval workflows. Configurable by instrument type, entity, and amount.
- Covenant Monitoring: Automated tracking at facility and tranche level with alerts when thresholds are approached
- Guarantee Tracking: Personal and entity guarantees with fall-off triggers tied to conversion dates, rent commencement, or custom milestones
- Counterparty and Dealer Limits: Exposure limits with granular permissions to prevent unauthorized extensions
- Approval Workflows: Multi-level approvals by instrument type, entity, and amount range with segregation of duties
- Audit Trail: Every action attributed to user, organization, and session with GL-ready journal entries
Interest, principal, and fees flow into Cash4 automatically
Amortization schedules, interest accruals, and fee schedules generate projected cash flows that feed directly into Cash4. Adjustments to schedules update projected transactions automatically.
- Amortization Schedules: Full amort tables as structured data. Balloon payments, deferred starts, and mid-life adjustments supported.
- Cash4 Integration: Principal, interest, and fee projections appear in Cash4 as projected transactions linked back to the instrument.
- Non-Cash Activity: Capitalized interest, loan advances, and balance adjustments tracked on the instrument without requiring a bank transaction.
- Multi-Currency Support: Fixed and floating rates, multiple currency pairs, day count convention flexibility.
Audit-ready reporting, no assembly required
Journal entries, covenant status, instrument positions, and audit trails available without manual compilation. Sigma analytics for custom dashboards.
- Journal Entry Export: Full-detail entries ready for GL upload
- Compliance Dashboard: Covenant status, breaches, waivers, and exposure limits in one view
- Sigma Analytics: IC position reporting, maturity ladders, counterparty exposure, covenant headroom
- Audit Trail Export: Complete history exportable for SOC 1, SOC 2, and internal audit
One system of record for every debt obligation.
Debt4 centralizes every debt obligation, from credit facilities to intercompany loans, with native compliance, automated cash flow schedules, and built-in approval workflows.
When the revolver comes due
A credit facility matures in 90 days. Covenant headroom, tranche balances, guarantee status, and the amort schedule need to be current before refinancing talks start. In Debt4, they already are. You are reading the data, not building the spreadsheet.
Debt4 vs. Legacy Systems
The difference between purpose-built debt infrastructure and inherited complexity.
Debt4
Legacy Systems
Instrument Tracking
Single system, standardized fields across all instrument types
Scattered Data
Excel files, bank portals, loan docs, and email threads
Amortization Schedules
Structured data with balloon, deferred start, and mid-life adjustment support
Manual Schedules:
Rebuilt in Excel every time terms change
Cash Flow Projections
Calculated automatically from instrument terms, feeding directly into Cash4
Manual Calculations
Built and rebuilt in Excel, requiring re-entry across systems
Approval Workflows
Multi-level approvals with segregation of duties enforced in the platform
Email-Based Approvals
Managed through email threads and spreadsheet sign-offs
Non-Cash Activity
Capitalized interest and balance adjustments tracked on the loan record
Missing Data
Non-cash activity tracked separately or not tracked at all
IC Reconciliation
Borrower and lender linked from Entity4, balances reconcile automatically
Email Reconciliation
Controllers email balances back and forth with manual adjustments
Connects Without Disruption
Debt4 shares the same entity structure as Entity4, feeds cash flows into Cash4, and routes payments through Payments4.
Structured debt drives smarter treasury decisions
See how Debt4 gives your team the visibility and control to manage risk and refinancing with confidence.
