Corporate loan management
Manage corporate borrowings without spreadsheet risk
Automate loan schedules, rate updates, month-end accounting, and compliance reporting in one approval-driven platform — built for Indian enterprises and multi-company finance teams.
₹ 42.8 Cr
Debt tracked
24
Active loans
6
Group companies
One platform for every stage of corporate borrowing
₹ 42.8 Cr
Total outstanding
24
Active loans
8
Lenders tracked
100%
Audit coverage
Interactive dashboard preview
Sample portfolio data · Acme Group Ltd.
Portfolio overview
Acme Group Ltd.
LiveTotal outstanding
₹ 42.8 Cr
+2.4% vs last month
Active loans
24
Across 6 lenders
Due this month
₹ 1.2 Cr
8 repayments scheduled
Pending approvals
3
Needs manager review
Outstanding trend
12 monthsLoan mix
Recent loans
| HDFC Bank | ₹ 12.5 Cr | Active |
| ICICI Bank | ₹ 8.2 Cr | Active |
| Axis Bank | $ 2.1 M | Review |
Business impact
Why finance teams choose Spot
70%
Less manual effort on loan management
100%
Complete audit trail for every change
Faster
Month-end close with guided workflows
Real-time
Visibility into total debt exposure
One place
All group companies and lenders
Ready
Compliance reports when you need them
100%
Audit trail coverage
Multi-Company
Single platform for groups
Multi-Currency
Native support built in
Automated
Schedule & interest calculations
Workflow
Approval control on every change
Common borrowing management challenges
Most finance teams still rely on spreadsheets. Spot replaces that with one controlled platform.
Before Spot
- Loan schedules maintained in Excel
- Floating rate changes tracked manually
- No centralized borrowing repository
- Month-end accounting delays
- Hard to track foreign currency exposure
- Gaps in audit trail
With Spot
- Automated repayment schedules
- Controlled approval workflows
- Centralized portfolio visibility
- Accounting outputs ready for your ERP
- Currency exposure monitoring
- Complete change history
Treasury analytics
Borrowing insights finance teams rely on
Live widgets for outstanding borrowings, upcoming repayments, maturity profiles, currency exposure, and lender concentration.
Total outstanding
₹ 42.8 Cr
+2.4% vs last quarter
Upcoming repayments
₹ 1.2 Cr
Due in next 30 days
Interest cost trend
↓ 8.2%
Effective rate improving
Currency exposure
₹ 6.4 Cr
4 foreign currency loans
Top lender share
HDFC · 29%
Lender concentration
Maturity (12 mo)
₹ 18.5 Cr
Principal due within year
Maturity ladder
Click a period to explore obligations
0–1 yr
₹ 18.5 Cr
Principal due within the next 12 months
- HDFC term loan · ₹ 6.2 Cr
- ICICI WC · ₹ 4.1 Cr
- 3 more facilities
Excel vs Spot
See why finance teams move off spreadsheets.
Who uses Spot?
CFO
- Borrowing visibility at a glance
- Debt exposure monitoring
- Better risk decisions
Finance Manager
- Approval control on every entry
- Month-end governance
- Clear accountability
Accountant
- Automated calculations
- Faster month-end work
- Less spreadsheet rework
Auditor
- Full traceability
- Compliance evidence on demand
- Frozen approved records
Risk & compliance
Reduce borrowing risk
Every loan change is controlled, reviewed, and recorded — so your team and auditors always know what was approved and when.
The full loan lifecycle — in one platform
Click any step to explore what happens at each stage — or play the tour to walk through the flow.
Reporting
Reports finance teams rely on
Portfolio summary
View total debt exposure across companies.
Total exposure
₹ 42.8 Cr
+2.4% vs last quarter
Maturity ladder
Understand future repayment obligations.
Principal due by period · click to explore
0–1 yr
₹ 18.5 Cr
Principal due within the next 12 months
Borrowing cost
Monitor interest expense over time.
Monthly interest
₹ 31 L
Currency exposure
Track foreign currency risk in one view.
Exposure by currency
Manage all lenders in one place
Track facilities, sanction limits, utilization, and documentation — whether you borrow from Indian banks or foreign lenders.
- Facility tracking
- Sanction limit monitoring
- Utilization visibility
- Document expiry alerts
HDFC
ICICI
Axis
SBI
Foreign banksExample use case
Manufacturing group
Profile
Challenges
- • Spreadsheet-based loan tracking
- • Delayed month-end closure
- • No single view of group exposure
With Spot
- Centralized loan management
- Automated accounting workflows
- 75% less manual effort
- Faster month-end close
Integrates with your finance stack
Connect Spot with the ERP and tools your team already uses.
SAP
Oracle
Microsoft Dynamics
Tally
Banking systems
Excel import/exportBuilt for every industry
Manufacturing
Working capital loans
Retail
Seasonal borrowings
Infrastructure
Project finance tracking
Automotive
Capex loan monitoring
Engineering
Multi-lender management
Enterprise security