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All your debt and financing,
on a single screen

Loans, credit lines, cards, confirming and factoring from all your banks, together. You know how much you owe, how much you can draw, what you will pay this year and what it costs you, without building an Excel before every meeting with the bank.

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on Capterra · 300+ companies use Orama
DebtReporting · Consolidado (Consolidated)
AttentionBusiness account •9998 (Abanca) due in 35 days, on 14/12/2026. Drawn: €13,750 of €70,000.
Gross debt208.250 €
Cash73.502 €
Net debt134.748 €
Maturities · 12 months89.744 €
NovFebMayAugOct
Maturities by year
202640.343 €
202767.022 €
202842.264 €
202926.442 €
Product detail
ProductOutstandingNext instalmentDue
Loan LoanSantander112.500 €of €150,0002.355 €15/11/202615/03/2031
Loan LoanBBVA52.000 €of €80,0002.843 €01/12/202601/06/2028
Business account •9998 Credit lineAbanca13.750 €of €70,000—14/12/202635 days
Feature

How Orama brings all your financing together

The five figures your bank asks for, at a glance

Orama calculates your debt from your financial products and your connected banks, always up to date.

Gross debt, split into short and long term.
Net debt: gross debt minus your cash.
Available liquidity: your cash plus the credit you have not yet drawn.
Instalments for the next 12 months and the average cost of your debt.
TrendEnd of each month
Gross debt208.250 €
Cash73.502 €
Net debt134.748 €
Jan 26Mar 26May 26Jul 26Sep 26Nov 26

Maturities and alerts with time to negotiate

A calendar of what you will pay month by month, split into principal and interest, and the months in which each product matures. If a credit line expires, you know months ahead and can negotiate the renewal.

Alerts for upcoming maturities and nearly exhausted credit lines.
Debt concentrated in a single bank.
Debt by product type or by bank, with the amount drawn against the amount available.
AttentionBusiness account •9998 (Abanca) due in 35 days. Drawn: €13,750 of €70,000.
Maturities · 12 monthsTotal €89,744
Nov 26Feb 27May 27Aug 27Oct 27
Business account •9998
Credit line · Abanca14/12/2026
13.750 € / 70.000 €
Loan
Loan · BBVA18/02/2027
30.000 €

Loans, credit lines, confirming and factoring within your forecast

You add your loans and credit lines in minutes; cards, confirming and factoring come through your bank connection. Everything is linked to your cash flow table, with nothing counted twice.

Repayment schedule for each loan, with principal, interest and instalment.
Each loan linked to its category in the forecast.
Confirming and factoring: Orama creates the forecasts for each maturity automatically.
Monthly trend of gross debt, cash and net debt.
Product detail4 products
ProductGrantedOutstandingDue
Loan LoanSantander150.000 €112.500 €25% repaid15/03/2031
Loan LoanBBVA80.000 €52.000 €35% repaid01/06/2028
Loan LoanSabadell40.000 €30.000 €25% repaid18/02/2027
Account •9998 Credit lineAbanca70.000 €13.750 €20% used14/12/2026in 35 days
Total208.250 €
Guide on Orama Academy (in Spanish)How to use the debt report in Orama (Reporting › Deuda (Debt) menu), step by step (in Spanish)
RelatedCash flow forecastMulti-entity and groupsConfirming and factoring in the forecast

Frequently asked questions

What is the difference between gross and net debt?+
Gross debt is everything you owe, split into short and long term. Net debt is gross debt minus your cash: the “real” debt if you used your cash to pay it off. If you have more cash than debt, it comes out negative.
Which financial products can I track in Orama?+
Loans, credit lines, credit cards, confirming and factoring. You add the loans and credit lines yourself; cards, confirming and factoring come through your bank connection.
Does Orama alert me when a credit line expires?+
Yes. The debt report alerts you to upcoming maturities, nearly exhausted credit lines and debt concentrated in a single bank, with time to negotiate.
How does confirming show up in my cash flow forecast?+
Orama creates the forecasts for each maturity on its own: the outflow from your account and the restoration of the limit, for the same amount. That way nothing is counted twice.
Can I see the debt of my whole group of companies?+
Yes. With several companies in Orama you can see the debt of each company and of the group, by bank and by product type.

Orama Academy

Learn to get the most out of Orama. Guides, videos and training, step by step.

Go to Orama Academy (in Spanish)

Start controlling your cash flow this week

7 days free. No card. No commitment. And if you need us to show you around, we will book a 30-minute demo.

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