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 rail, 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 | | **Company** | the company that borrows the money | | **Amount** | the amount you borrow and, in the same cell, its currency | | **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  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 . 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 row for the missing date does not appear, 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).
Whichever company you choose under **Company**, the plan counts the credit in full, under **Combined Producers** and in the view of each 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 of the three lines in 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. 3. The lowest line of the chart now shows the lowest balance of the plan with the credit and its repayment.
Markdown