Build and track your loan amortization schedules
Extract loan contract data, build the amortization schedule automatically and check every month that accounting reflects the right interest charges.
Introduction
Every new loan is tracked in a shared Excel file with fragile formulas and ongoing manual updates. Bank schedules arrive late, so teams rebuild them. If someone touches the file, formulas break. Yet these schedules are critical: they feed cash forecasts, budgets, investor BPs and bank filings. Phacet extracts data from your loan contracts (PDF), builds the schedule automatically and checks every month that accounting is aligned. No more fragile Excel, just structured and shareable tracking.
When to use this Phacet
Built for accountants, controllers, CFOs and treasurers who want to:
- Build a loan amortization schedule automatically from the PDF contract.
- Combine all contracts into one consolidated schedule, one line per loan, monthly view.
- Verify every month that interest charges in accounting match the schedule.
- Share a clean file with auditors, banks and investors.
AI skills involved
Read and convert any financial file, whatever the format
Phacet reads PDFs, scanned invoices, bank statements, email attachments and ERP exports natively — regardless of layout, quality or source. No manual preparation, no template to configure. If you can open it, Phacet can read it.
Automatically pull key data points from your documents
Phacet identifies and extracts the fields that matter — invoice numbers, amounts, due dates, IBANs, supplier references, VAT codes, contract terms — even from unstructured or inconsistent documents. Data comes out clean and ready to use in the next step.
Get notified on what matters and share results without manual work
Phacet sends alerts the moment a threshold is crossed or an anomaly is detected by email, Slack or in-app. It also generates summaries, dashboards and structured exports ready to send to your ERP, your team or your management. Results reach the right people at the right time, automatically.
Validate every line against your rules, thresholds and references
Define your rules once - negotiated prices, spending caps, expense policy, contract conditions, approval thresholds - and Phacet applies them to every single row, every time. Every discrepancy is flagged with the exact reason, ready for review.
Business impact
Schedule built in minutes, not hours.
The agent extracts duration, amount, rate, deductible, and deferment from the PDF. The schedule is ready without manual data entry.
Automatic monthly accounting checks.
Each month, the accountant verifies that the interest expenses recorded in the accounting match the repayment schedule, including accrued interest not yet due.
A clean file ready for third parties.
Auditors, banks, investors: the consolidated schedule is always up to date and exportable in one click.
Integrated with everything
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Steps to get Started
Upload your loan agreements.
Import your loan agreements in PDF format. The agent extracts key data: amount, term, interest rate, deductible, and deferment.
The AI builds the repayment schedule.
Phacet genere l'echeancier automatiquement : capital, interets, assurance, par mois ou par trimestre selon le contrat.
Consolidation and accounting control.
Tous les contrats sont combines dans un echeancier unique. L'agent compare les charges attendues avec celles passees en comptabilite.
Export and share.
Export the consolidated schedule for your auditors, banks, or investors. Always up to date.
Unlock your AI potential
Do more with your existing resources using tailored AI solutions.
Frequently Asked Questions
Yes. You enter the initial rate and the indexation rule. The schedule is recalculated with each update.
The agent detects the payment frequency in the contract and generates the schedule accordingly. It also flags accrued interest for months without payments.
Yes. Each new contract is added to the consolidated schedule. The history is preserved.
