Overview
Finvisage enables users to manage overdraft facilities such as Cash Credit within the system.
Navigation
Click on Liability option from the side panel menu. Within Liability sub menu, select Cash Credit option. This opens the blotter for Cash Credit instruments.
Creating a new cash credit facility
Click on the bottom side menu and click on the new button --> 
This will open a screen to add a new Cash Credit facility.
The description of the fields are as given below -
| Field Name | Type | Description |
| Entity | Dropdown | User's legal entity that is booking the cash credit facility |
| Counterparty | Dropdown | The bank or lender that is providing the cash credit facility |
| CC Account | Dropdown | Bank account assigned for the cash credit |
| Is Secured | Boolean (Yes, No) | Secured or unsecured |
| Debit interest charged | Boolean (Yes, No) | Select Yes if system should auto calculate interest on interest payment day |
| Debit penalty charged | Boolean (Yes, No) | Is penalty to be auto charged on delay |
| External ID | Text | Unique id for the facility provided by Lender |
| Borrowing Limit | Numeric | Total limit for the cash credit facility |
| Total security cover | Numeric | If secured, provide the total cover available (optional) |
| Value date | Date | Date from which the interest charging begins |
| End date | Date | Date of maturity |
| Tenure | Calculated | End date - Value date |
| Interest frequency | Dropdown | Select frequency from Monthly, Quarterly, Semi Annually, Annually |
| Interest payment day | Dropdown | Day in the month for interest payment |
| Interest rate | Percentage | Enter the interest rate for the facility (annualised) |
| Coverage ratio | Numeric | Minimum coverage ratio between Security cover and outstanding that needs to be maintained |
| Commitment charges frequency | Dropdown | Select frequency from Monthly, Quarterly, Semi Annually, Annually |
| Commitment charges | Percentage | Commitment charges rate |
| Minimum utilisation | Numeric | Minimum utilisation set by Lender |
| Penal interest rate | Percentage | Rate for penalty |
| Security trustee | Text | as per field name |
| Additional info | Text | as per field name |