---
title: More Flexibility with Spotlight Forecasting's Loan Amortisation Rule
description: Today, we’re expanding on our Loan Amortisation Rule functionality to help you take cashflow forecasting to the next level.
image: https://blog.spotlightreporting.com/hubfs/Loan%20Amortisation%20Rule%20Featured%20Image.png
---

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# Blog

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# More Flexibility with Spotlight Forecasting's Loan Amortisation Rule

Posted by [Paul Gray](https://blog.spotlightreporting.com/author/paul-gray) on 10 Oct 2019

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Today, we’re expanding on our Loan Amortisation Rule functionality to help you take cashflow forecasting to the next level. Read on to learn how Spotlight Forecasting’s latest update will open up opportunities for you to work alongside your clients to help them achieve their growth goals.

### **Help your clients secure funding and optimise repayments**

Forecasting is near and dear to us at Spotlight, and we’re firm believers that every business deserves a forecast. It’s not just a nice to have – it’s essential to managing cashflow!

> **"One of the biggest problems I've found in regards to cashflow forecasting is sheer ignorance. If accountants aren't doing cashflow forecasting for their clients, they're missing out on a huge opportunity to deepen their relationships and add value. With Spotlight Forecasting, we're trying to empower accountants to provide a future view to solve many of the challenges that businesses face."**
> 
> 
> *![Richard Francis_CEO_Spotlight Reporting copy](https://blog.spotlightreporting.com/hs-fs/hubfs/Richard%20Francis_CEO_Spotlight%20Reporting%20copy.png?width=65&name=Richard%20Francis_CEO_Spotlight%20Reporting%20copy.png)**Richard Francis, Spotlight Reporting CEO and CA*

Giving your clients a realistic, timely and actionable forecast is essential to keeping a business growing and/or surviving. In order to keep going, we recognise that a large number of businesses need to secure funding. It’s also important that both new and existing business loans are optimised in the best possible way. That’s why we were excited to launch the Loan Amortisation Rule into Spotlight Forecasting last year – it’s been instrumental in helping advisors prepare full three-way cashflow forecasts to help businesses achieve their growth plans. Fast forward one year and we’re delighted to launch expanded Loan Amortisation Rule functionality.

### **Say hello to a more flexible Loan Amortisation Rule**

No two loans are alike – the loan terms, interest rate and amount are tailored to the needs of each business. Today, you’ll notice new capabilities to the existing Loan Amortisation Rule that will make it even easier to create forecasts and/or scenarios that take into account many different loan variables.

> **“I’m thrilled to launch the second iteration of Spotlight Forecasting’s Loan Amortisation Rule. As we’ve said before, every business deserves a forecast, and this additional functionality will provide advisors with another opportunity to deepen relationships with clients and to add value.”**
> 
> *![Julie headshot](https://blog.spotlightreporting.com/hs-fs/hubfs/Screen%20Shot%202019-10-08%20at%2011.28.10%20AM.png?width=65&name=Screen%20Shot%202019-10-08%20at%2011.28.10%20AM.png) Julie Francis, Spotlight Reporting CFO and Product Owner*

The Loan Amortisation Rule is a deceptively straightforward solution that will impress your clients, help them achieve better outcomes, and save you time.

Ready to get started? Here are two of our favourite ways to take advantage of the functionality of Spotlight Forecasting and the Loan Amortisation Rule:

**1. Secure funding**  
If your client is looking to secure funding, apply the Loan Amortisation Rule to a hypothetical loan to visualise the cashflow impact of different funding and repayment options.

Equipped with this information, you’ll be able to help your client present an attractive proposition to a lender that tells the story of a healthy business with good prospects and the ability to repay the funding.

> **"We created a Spotlight Forecast – then I met with the client and NAB. Ten days after meeting, the client had a credit approved discussion paper for a facility of more than $11M to fund the project."**  
> *![Ryan](https://blog.spotlightreporting.com/hs-fs/hubfs/Ryan.png?width=65&name=Ryan.png)Ryan Richardson, Partner, TNM Consulting. Read [Ryan’s story.](https://blog.spotlightreporting.com/ryan-richardson-tnm-consulting)*

  
**2. Optimise repayments**  
Does your client already have a business loan? What your clients might not know is that an existing loan they secured in the past could be relatively expensive in the present. This is an opportunity for you to work through different loan scenarios to improve the impact on your client’s cashflow. In Spotlight Forecasting, you can use Scenarios and the Loan Amortisation Rule to easily show the impact of selecting different loan variables.

![Loan Amortisation Spotlight Forecasting](https://blog.spotlightreporting.com/hs-fs/hubfs/ezgif.com-video-to-gif%20(2).gif?width=800&name=ezgif.com-video-to-gif%20(2).gif)

### **Get started with the Loan Amortisation Rule and Spotlight Forecasting**

If you’re after a head start, here are two tips to help get you going:

- - Watch our '[Getting started with Loan Amortisation](https://vimeo.com/264919955)' video.
    - If you’re after step-by-step instructions take a look through our [help guide](https://help.spotlightreporting.com/forecasting/add-and-edit-the-loan-amortisation-rule).

[![Get Started](https://no-cache.hubspot.com/cta/default/1756382/1718f461-3e75-41c5-94fa-8fa2028e1f4c.png)](https://cta-redirect.hubspot.com/cta/redirect/1756382/1718f461-3e75-41c5-94fa-8fa2028e1f4c)

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