Funding management for lenders: share capital, borrowings & grants

Lending institutions fund their portfolios from several sources, each with different reporting and governance needs. Managing them in spreadsheets makes capital-adequacy and donor reporting painful and error-prone.

The four funding sources

• Share capital — shareholder registration, contributions, certificates, capital-growth tracking
• Borrowings — external loan agreements, interest tracking, repayment schedules
• Grants — registration, utilization tracking and donor reporting
• Operational funds — internal allocations, budgets and expenditure monitoring

One ledger, full visibility

When funding flows through the same double-entry ledger as lending, capital movements post automatically to the right control accounts — so balance sheets, equity statements and donor reports reconcile without manual effort.