Cash Flow
You can enter a credit in a cash flow plan and see on which dates the plan shows the money you borrow and the repayment with interest.
A credit is money a bank lends the production for a fixed period, for example until a financing instalment arrives. You enter it in the cash flow plan with **Credits**, so the plan shows when the money comes in and when you repay it with interest. You need an open cash flow plan and, in projects other than the demo project, a Production licence or a running trial. If your licence does not cover Cash Flow, **Credits** is greyed out, see [what your licence includes](/kb/article/what-your-licence-includes). As a guest, you can add credits only to a plan that is shared with you for editing. The project also needs at least one company and a currency. Without them, **Credit** in the dialog is greyed out.
In the left-hand panel of the cash flow plan, click **Credits**. KOSMA opens the **Credits** dialog. On a plan that is shared with you for reading only, the dialog opens, but **Credit** is greyed out and you cannot change the rows.
Click  **Credit**. KOSMA adds a row and puts the cursor in **Description**. The new row has the amount 0 in the project's default currency, no dates and no interest rate. Click a cell once to edit it. KOSMA keeps the value when you leave the cell.
| Column | What you enter | | --------------------- | ---------------------------------------------------------------------------------------------------- | | **Description** | a name for the credit; the plan shows the credit by this name, and without one its rows have no name | | **Amount** | the amount you borrow and, in the same cell, its currency | | **Company** | the company that borrows the money | | **Date in** | the day the money arrives | | **Date out** | the day you repay the money with interest | | **Yearly interest %** | the yearly interest rate |
To enter a date, type it in the cell, or click  **Open calendar** in the cell and choose the day.
In a new row, **Company** looks empty. If you do not choose a company, KOSMA saves the project's first company.
If **Date in** is later than **Date out**, KOSMA does not save the date you entered and shows:
Date in cannot be later than Date out.
To change the order of the rows, drag a row by its grip . To delete a credit, click  **Delete credit** in its row. KOSMA asks **Delete credit?**:
This credit will be removed from the cash flow.
To remove the row, click **Delete**.
Click **Ok** to keep every change you made in the dialog. If you click **Cancel**, KOSMA discards all of them.
When you point at **Yearly interest %**, KOSMA shows:
Yearly interest rate. Interest is simple (not compounded), actual/365: charged per day on the principal from Date in to Date out.
For each day from **Date in** to **Date out**, KOSMA charges the amount times the yearly rate, divided by 365. For a credit in another currency, KOSMA first converts the amount into the project's default currency at the exchange rate of that currency. If a credit has no rate, a rate of 0, or a **Date out** that is not later than **Date in**, KOSMA charges no interest.
The interest has no row of its own: it is part of the repayment under **Expenses** on **Date out**. An example: a credit of 250,000 at 6 % from 1 June 2026 to 30 September 2026 runs for 121 days. The interest is 4,972.60, and the row under **Expenses** on 30 September 2026 shows 254,973.
KOSMA places a credit by its two dates. A credit has no cash flow rule, and KOSMA never counts it among the amounts without a rule.
The plan shows each credit in two italic rows with its **Description**. On **Date in**, the row under **Income** shows the amount you borrow. On **Date out**, the row under **Expenses** shows the amount plus interest. The plan shows both in its display currency, see [change the display currency](/kb/article/change-the-display-currency). For the other rows of the grid, see [read the cash flow grid](/kb/article/read-the-cash-flow-grid).
If a credit has no **Date in** or no **Date out**, the plan does not show the row for the missing date, and KOSMA shows no warning.
A date before the start of the plan or after its last column counts in **Before** or **After**, see [read the Before and After columns](/kb/article/read-the-balance-rows). In a plan that reads a cost control set, KOSMA leaves credits out when it sets the default plan window, see [set the plan window](/kb/article/set-the-plan-window).
Under **Combined Producers**, the plan counts every credit in full. In the view of a single company, it counts only the credits whose **Company** is that company. See [view one company, or all of them](/kb/article/view-one-company-or-all-of-them).
1. Before you add the credit, look at the lowest line of the waterfall chart. The amount in the left margin is the lowest balance of the plan, and the caption under the lowest bar names its period. See [read the waterfall chart](/kb/article/read-the-waterfall-chart). 2. Add a credit of about that amount. Set **Date in** before that period and **Date out** after the financing instalment that closes the gap. The lowest line of the chart then shows the lowest balance of the plan with the credit and its repayment.
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