Viewing the loans list
Navigate to Loans in the sidebar to see every loan registered under your organisation. The table shows:| Column | Description |
|---|---|
| Status | Active, Settled, or another lifecycle state |
| Creditor | The lending entity |
| Debtor | The borrowing entity |
| Principal | The original loan amount |
| Outstanding | The current balance owed (principal plus accrued interest, minus repayments) |
| Interest rate | Annual rate, expressed as a percentage |
| Maturity | The contractual maturity date, an Exit badge if the loan matures on an exit event, or both |
| Issued | The yield start date |
Filtering and grouping
Use the filter bar above the table to narrow results by status, creditor, debtor, issued date, or maturity date. Select Group by to collapse rows by creditor or debtor — aggregate principal and outstanding totals appear automatically in grouped rows.Registering a past loan
Use this flow to record a loan that was agreed outside of Centi, for example a shareholder loan note that was signed before you started using the platform.Select the creditor and debtor
Choose the Creditor (Lender) and Debtor (Borrower) from the dropdowns. One party must be a manager or manager holding company; the other must be a portfolio company. Centi enforces this rule automatically — selecting one party filters the opposite dropdown to only valid counterparts.
Attach a loan note agreement
After both parties are selected, choose how to associate the underlying loan note document:
- Select existing — pick a document already uploaded to Centi for this creditor/debtor pair.
- Upload new — drag and drop a PDF (max 10 MB) to upload it alongside the loan record.
Enter the financial terms
Fill in the required fields:
- Principal amount and Currency — the face value of the loan.
- Interest rate — enter as a percentage per annum (e.g.
8for 8 %). Leave blank for zero-interest loans. - Yield start date — the date from which interest begins to accrue.
- Maturity date (optional) — the date the loan falls due. You can also tick Matures on exit to mark the loan as repayable upon an exit event such as a sale or IPO. Both options can be active simultaneously — whichever date arrives first governs repayment.
Set compounding terms (if interest-bearing)
When an interest rate is set, two additional fields appear:
- Day count convention (required when rate > 0) — governs how accrued interest is calculated (e.g. Actual/365).
- Compound frequency (optional) — choose Daily, Monthly, Quarterly, or Yearly. Leave blank for simple (non-compounding) interest.
Linking a loan to an offer or program
When a loan originates from an equity offer (for example, an investment made partly via a shareholder loan note), you can configure the loan terms directly on the offer or repurchase record rather than registering it separately. Open the relevant offer or repurchase in the portal. If the document envelope includes a Loan Note template, a Loan note configuration section appears. Fill in the same financial fields described above — principal, interest rate, yield start date, maturity, and compounding terms. The creditor or debtor may be pre-filled and locked depending on whether the loan belongs to an investment offer (debtor is the investor) or a repurchase (creditor is the seller). Click Save Loan Configuration to store the terms. The loan then appears in the Loans table, linked back to the originating offer.Loan details
Click any row in the loans table to open the Loan details dialog. The dialog is split into two columns: Left — Summary and financial details- Status badge, creditor name, and debtor name.
- Issued date and maturity information, including a tooltip countdown showing how many days remain until maturity (or how many days past maturity the loan is).
- Principal amount — the original face value.
- Interest rate — annual rate, shown as a percentage p.a.
- Day count convention and Compounding frequency (when applicable).
- Accrued interest — interest calculated from the yield start date to today.
- Amount repaid — total settled so far, with a repaid percentage.
- Outstanding amount — the live balance you still owe.
- Settlement history — a chronological list of every repayment recorded, showing amount, date, settlement method, and any note.
- Agreement — a link to download the associated loan note document.
- Related transactions or Related offer — links back to the equity program or offer securities that gave rise to this loan.
Adding a settlement
If the loan is still active, an Add settlement… button appears in the dialog footer.Choose a settlement date
Pick a date on or before today. The date cannot be earlier than the most recent settlement already recorded. Centi recalculates the outstanding balance as at the selected date to reflect accrued interest up to that point.
Enter the amount
Type the repayment amount. The form shows the outstanding balance at the selected date and a live Remaining figure as you type. The amount cannot exceed the outstanding balance.
Add a note (optional)
Use the note field to record any context — for example, the bank reference or reason for a partial repayment.
Settling a repurchase from a loan
When you settle a repurchase that has associated shareholder loans, Centi lets you net the loan balance against the repurchase payment so that only the net cash changes hands.Set the settlement date
Choose the settlement date. Centi recalculates accrued interest on each linked loan as at that date.
Select loans to net
Under Net against existing loan, you see a card for every active loan where the seller is the debtor. Each card shows the loan’s principal, interest rate, accrued interest, and total owed. Tick the checkbox on each loan you want to offset. Centi pre-fills the netting amount to the full outstanding balance; you can reduce it by editing the Amount to net field.
Review the settlement breakdown
The Settlement breakdown panel shows:
- Repurchase amount — the total consideration to be paid.
- Repurchase loan principal — any loan directly funding the repurchase.
- Netting applied — the combined amount being offset against existing loans.
- Cash to Seller — the net cash payment after netting.
Stakeholder loan links
On stakeholder profile pages, Centi surfaces direct links to filtered views of the loans table when that stakeholder has active loans. You will see:- Loans as creditor — takes you to the loans table filtered to show only loans where this stakeholder is the lender.
- Loans as debtor — takes you to the loans table filtered to show only loans where this stakeholder is the borrower.