Get business debt out of spreadsheets and into your accounting system. Kantivo computes the full payment schedule, handles principal/interest splits, and posts the proper journal entries — every time.
Try It FreeBusiness loans show up everywhere in your financial picture: outstanding principal sits on the balance sheet, accrued interest hits the income statement, and every payment flows through cash. When those pieces aren't joined up, monthly close turns into a manual reconciliation exercise — and the numbers rarely line up the first time.
Kantivo connects them automatically. Enter a loan once with its terms and the system spins out the complete amortization table from origination to payoff. Each time you record a payment, Kantivo knows the exact principal-vs-interest split and posts the correct double-entry journal entries — no manual math required on your end.
Enter the loan amount, annual rate, repayment period, start date, and payment cadence. Pick from seven supported loan categories.
Kantivo immediately produces the full amortization table — every payment date, principal piece, interest piece, and the running balance.
When a payment is due, hit record. The journal entries are created automatically — no manual splitting, no chance of math errors.
Open the loan dashboard any time to see remaining principal, total interest paid, and the projected payoff date.
Capture the precise terms of any business borrowing — equipment financing, SBA notes, commercial mortgages — and let Kantivo handle the schedule math.
The standard amortization formula computes each period's payment and breaks it into the principal and interest components correctly.
Recording a payment doesn't only update the loan balance — it creates the proper double-entry journal entries so your books stay in balance.
A dedicated loan dashboard shows the current state of every active note without opening spreadsheets or signing into your lender's portal.
Plenty of small business owners track loans outside their accounting system — a spreadsheet in one place, a lender statement in another. The cost shows up later: balance sheet liabilities don't match what the lender shows owed, and interest expense gets booked as a round number instead of the actual accrued amount. By tax time, there's a reconciliation project waiting on the desk.
Kantivo closes that gap. Because the amortization schedule lives inside the same database as the rest of your books, every payment updates the balance sheet liability in real time and posts the correct interest expense automatically. Books and lender statements agree because they're driven by the same formula.
A commercial real estate mortgage amortizes differently from a revolving line of credit, and an SBA 7(a) note may include a balloon feature that an equipment loan doesn't. Kantivo supports seven distinct loan categories with the configuration options each one needs. Whether your borrowing is a plain bank term loan or a more elaborate structured note, you can model it accurately and trust the schedule it produces.
Kantivo supports seven loan categories: term loans, lines of credit, equipment financing, commercial mortgages, SBA loans, vehicle loans, and a flexible "other" type for anything that doesn't fit a standard category. Each type comes with the right configuration fields for its structure.
No. When a payment is recorded through the loan module, Kantivo automatically posts the journal entries to reduce notes payable, recognize interest expense, and credit the bank account. You confirm the payment and the accounting is taken care of behind the scenes.
Yes. Enter the original loan terms and the origination date, then set an opening balance equal to the principal still outstanding on the date you start tracking it in Kantivo. The remaining schedule is computed from there forward and your balance sheet aligns immediately.
Additional principal payments can be recorded separately from your scheduled installment. Kantivo updates the remaining amortization schedule to reflect the lower balance, recalculates future interest, and shifts the projected payoff date accordingly.
Yes. Outstanding loan principal is tracked as a liability on your chart of accounts. As payments are recorded, the balance falls automatically. Your balance sheet always reflects what's currently owed without requiring manual adjustments.
Begin a free 30-day trial. Set up your first amortization schedule in minutes.