Margill

Loan Manager

OVERVIEW OF MAIN WINDOWS

AND FEATURES

on

Contents

Main window

Search window

Record window

Data
Compute / Results Table
Fees / Tax / Insurance Module
Borrower

Creditor

Credit Report

APR, Advanced, Alerts / Reminders

Posting payments

Electronic Funds Transfer (ACH, Credit card)

Reporting

Custom reports
Export to General Ledger
Merge tool to create contracts, letters, invoices or statements
Bulk email of invoices / statements

Software customization (by the user)

Custom fields
Custom pull-down menus
Custom payment types
Mathematical Equations

Import your existing data in seconds

Other distinctive features

Clients and Comments

Main Window
See all your loans in the
Main window

Display records according

to certain criteria
including custom fields
Sort records as you wish
Display according to your
preferences from over 350
fields (name, email, loan
type, loan amount, dates,
balances, ageing,
payment ratio, etc.)

For larger databases, use

the search engine to
display only the desired
records

Main Window
Even White label the Main
window to your company

Record Window
All data is contained in this
window and its various tabs:
o Compute (becomes Results
Table)
o Data
o Borrower
o Creditor
o Credit Report
o APR, Alerts, Advanced
o Detailed Notes may also be
added
o Send the payment
schedule by email, print
various reports in one click

Data
Data Tab:
o

Basic math data

A preliminary schedule
can be completely
customized after pressing
on Compute

Basic loan information

Payments can be monthly,

twice monthly, quarterly, ,
every week (7 days), etc.

Attach documents

Unknown variable computed

Custom fields and custom

menus

Electronic Funds Transfer

data

Compute / Results Table

Compute / Results Table Tab
o

A preliminary payment
schedule is first created

You adapt to just about any

payment scenario:

Interest-only
Fixed principal
Lump sum payments
Unpaid payments
Partial and late payments
Extra payments
Fees, Insurance, Tax:
Recurring or occasional
Added as lines or as columns
Amount or percentage
Amounts accrued, paid,
balances
Add principal any time
Insert and delete rows
Extend the loan and recompute
the payments
Add a Comment to lines

Trick: Use the right mouse click!!!

7

Results Table
Results Table

43 columns; 14 of which data may be changed

Information includes:
o

Accounting data
Paid Interest versus Accrued Interest
Paid Principal

Outstanding amounts

Multiple Balances:

Total
Balance before payment
Interest
Principal

Alerts

o Fees accrued, paid, balance

Comment line

o And many others, for maximum information

Results Table
Right mouse click offers
multiple options including:
o Change multiple payment
amounts at once
o Re-compute (adjust) payments
for a final balance = 0.00 or
other amount
o Change interest rates
o Re-compute interest rates
o Add or change Column Fees
o No interest on new Principal,
Fees, Insurance or other
o Special calculation methods
o Interest-only payments for part
of the loan
o Export table to Excel
o And many more

Fees / Tax / Insurance Module

Powerful module to add regular and
occasional fees:
o
o

Column Fees (3 types)

Line Fees (6 types)

Column Fees for recurring amounts (or

occasional)

Line Fees for occasional fees

10

Amount or as a percentage of the

balance or of accrued interest
Included in the payment
Can also be used for insurance or taxes

Paid separately from the payment itself

All names may be customized by the

user

Borrower
Borrower Tab

11

Borrower data

Co-borrowers data

Employer

Custom fields

A Borrower can also be

created independently
of a loan

Creditor
Creditor Tab

12

Creditor data

Syndicated loans
(multiple co creditors for
a loan (on a percentage
basis or amount))

Loan officer associated

to loan

Custom fields

Credit Report
Credit Reporting Tab

13

For United States and

Canada

Metro 2 reporting fields

Most fields are

automatically updated
based on payments

Module to be used with

Credit Manager software
from The Service Bureau

APR / APY
APR / APY
o

Extremely sophisticated
Annual Percentage Rate
calculation

Up to 5 types of fees with

custom names

Fees can be:

Paid up front

Financed (added to the

principal)

Paid subsequently

Recurring fees can be

factored in

APR and APY are

automatically calculated

Rate up to 9999%

Compliant with the majority

of jurisdictions

14

Including, US Truth in Lending

Alerts / Reminders
Alerts / Reminders
o Reminders advising you that
something must be
accomplished
o These tasks are then
managed: accomplished
or to do

o Five (5) types of alerts are

available:
General
Linked to a Record
Example: ask client for
financials

Linked to a Line status

Example: advise me
when a payment is 5
days late
Added on a payment line in
the schedule

Based on mathematical
conditions

15

Advanced
Advanced Tab:
o

16

Payment method:
o

Compound interest

Simple interest

Day count:
o

Actual/Actual

30/360

Actual/360

Actual /365

Short periods special

method

Payment on last day of

month

And many others to

obtain a truly precise
calculation!

Post Payment Tool

Post Payment Tool:
o

Very powerful tool that

allows you to see which
payments are due and to
update these

Update to Paid or Unpaid

You can add a Comment

on each payment (check
number for example, or unpaid
because)

17

You can also specify the

payment that should
have been paid, as well
as the true payment date
in case a Grace period is
offered

For irregular (partial and

late payments, penalties,
fees, etc.) right click with
the mouse to change the
schedule directly

Electronic Funds Transfer

Electronic Funds Transfer:
o

18

For US and Canada

(other countries on a
need basis)
o

For the US, NACHA file

with Wells Fargo Bank

In Canada, we work
with Perceptech, an EFT
processor

Preauthorized payments,
ACH (electronic check),
Credit card payments

Submit all future

payments of a loan or on
a monthly (weekly or
other) basis

Reporting
Multiple reports:
o

Standard reports

Reports you customize

Amortization tables

Accounting reports
Export to various accounting
packages including QuickBooks
and Simply Accounting (Sage
50))
Export to Excel, CSV and Text
formats

19

Data merges for your letters,

contracts , invoices and
statements

Print, export to Excel or PDF

We can create highly

sophisticated reports based
on your very specific needs

Custom Reports
Custom reports:

20

Create your reports using

over 350 fields easily
accessible by theme

Obtain monthly,
quarterly, yearly, etc.
reports

Examples:
o

Record List

Total monthly payments

Total fees

Ageing of accounts

Outstanding amounts

Balances

And hundreds of others

you create

Custom Reports (Results)

Custom Reports

21

Choose the dates you

want

Convert currencies

Compute totals

Export to Excel, CSV,

etc.

Predict the future ;-)

Export directly to General Ledger

Export to your accounting
systems GL
o

Export to
o
o
o
o

22

Quick Books Pro (and

above)
Sage 50
CSV, TXT or Excel
Others on a custom basis

Create your own custom

reports in seconds

Enter GL Credit and

Debit account numbers

Debit and Credit totals

by account

Reports may include a

fixed GL number or
unique numbers for each
Record

Reverse exported entries

(in case of error)

Contracts, Letters, Invoices & Statements

Merge to PDF or Rich Text
Format (Word document)
o

Produce contracts, letters,

statements or invoices

Draft your documents in

Word and copy/paste to
Margill

Insert any of the 350+ data

fields available.

Add totals, subtractions, etc.

with Mathematical Equations
that you create

Merge field (for

the current date)

Option to create finely

tuned PDF formats
o

23

You send us your PDF, we

create the personalized
document

Contracts, Letters, Invoices & Statements

One click:
o Save file(s)
o Print
o Email
Batch along with Subject and Message

o Attach merged document to the Record

Each user can send from his/her email

account (Sent from)

24

Customize Custom Fields / Custom Menus

Custom fields
o

Create custom fields for

o

Borrower

Creditor

Loan itself (Record)

Various formats (text,

monetary, date, etc.)

Unlimited number

Custom Menus
o

25

Create custom dropdown menus in seconds

for:
o

Custom fields

Other fields (Loan type,

Country)

Payment Type Line Statuses

Line Statuses
o

70 Line statuses allow you

to customize how your
payment is applied:
o Paid, Unpaid, Partial Pmt,
Fees, Penalties, Insurance,
Tax, Additional Principal,
Investment, Adjustment,
etc.
o Name you own type of
Payment (Paid Cash,
Visa, ACH), Fees
(Admin, NSF) and
Additional Principal
o Hide and move the Line
statuses based on YOUR
needs (not ours)

26

Mathematical Equations
Mathematical Equations
o

Create your own

Mathematical
Equations using
hundreds of fields.
Used for:
o Reporting special
data not included in
the regular fields
o Totals in invoices or
statements
o Portfolio analysis
(ratios)

27

Import your existing data in seconds

Import Borrowers,
Creditors and Employers

Using an Excel sheet

with headers and
your data, import to
Margill in seconds.
o Simply indicate what
each Excel column
corresponds to in
Margill

28

For importing the

loans (payment
schedules), we can
help you.

Other Distinctive Features

Multi-Currency
Fixed or variable interest rates

Change interest rates for multiple loans in one operation

Multi-User (Network)
Intuitive WYSIWIG interface What You See Is What You Get
Learn basics in 30 minutes
Our pretty excellent, fantastic customer support ;-). We are there

for you!

29

Clients and Comments

Margill clients are located in over 34 countries

Including:

Lenders (personal, employee, corporate, auto, bridge, construction, factoring)

Governments
Economic Development Agencies (business, community, rural, native and energy efficiency)
Accountants
Law firms (judgment collection, collection, tax loans)
Public and private companies (inter-company loans, employee loans

Margill has greatly improved the efficiency and organization of our Local Producer
Loan Program. Margill is a vast improvement from our former technology, and we are
grateful to have it.

Whole Foods Market, Inc.

Margill has made our lives much easier here since we installed it. It has cut down the
time it takes to perform my month-end accounting procedures greatly!!!
Antony Relou
Director of Corporate Accounting
The Broe Group

30

Demo / Contact us
Free 30-day fully functional trial:

www.margill.com/ncm
More information:
sales@margill.com
support@margill.com
Phone: (001) 450 621-8283
Tool-free North America: 1-877-683-1815
Skype: MargillSolutions

31