Payment Allocations Report
This document describes the Payment Allocations Report: what it is, when to use it, and how its Excel file is structured. It is written for business users who need to interpret or request the report.
Overview
The Payment Allocations Report is an Excel file that lists every payment allocation in the system for a chosen period. Each row is one allocation: a link between a payment received by a facility and a specific loan installment that was (partially or fully) paid with that money.
You use this report to:
- See which payments were applied to which installments.
- Trace cash flow from investor/facility through to borrower installments.
- Support reconciliation, audits, and performance analysis.
The report is generated on demand. You choose providers, facilities, and a date range (based on when the payment was received). The file is built in the background and delivered to the configured channel (e.g. Discord) when ready.
Output: One Excel file with one row per payment allocation. Columns are grouped into five sections that follow a timeline: from investor and facility, through borrower and operation, loan lifecycle, installment status and performance, to the payment event itself.
Report structure: timeline and groups
The Excel sheet uses a two-level header:
- Top row: A single title describing the logic:
"Report Structure: Timeline (Investor - Borrower - Loan - Performance - Cash Flow)" - Second row: One label per group of columns (Block 1 to Block 5), with merged cells so you can see which columns belong together.
Below that, the usual column headers and then the data rows.
The columns are ordered along a timeline that matches how money and data flow:
- Who is investing / structuring (investor, facility, provider).
- Who is borrowing and which operation (borrower, contract reference, settlement account, vehicle).
- The loan (creation, disbursement, endorsement, amounts, interest, schedule).
- The installment (schedule and installment IDs, due dates, status, amounts, present value).
- The payment event (allocation ID, payment date, amount paid).
This order makes it easier to read the report from left to right and follow a single allocation from portfolio to cash flow.
Groups and columns reference
The table below lists each group and its columns with a short business description.
Block 1 – Portfolio Identification (5 columns)
Identifies the investor side: which structure (facility) received the payment and which provider manages it.
| Column name in Excel | Description |
|---|---|
| Investor Group | Name of the investor group associated with the facility. |
| Facility Name | Name of the facility (structure) that received the payment. |
| Facility UUID | Unique key of the facility (for linking to other systems or reports). |
| Provider Name | Originator or credit manager (provider) of the facility. |
| Provider ID | Provider’s registration ID in the system. |
Block 2 – Borrower / Operation Identification (6 columns)
Identifies the borrower and the operation: the loan contract, settlement account, and allocation vehicle.
| Column name in Excel | Description |
|---|---|
| Borrower Name | Full name or company name (razão social) of the borrower. |
| Borrower Tax ID | Borrower’s tax ID (CPF or CNPJ). |
| CCB Number | CCB (Cédula de Crédito Bancário) number used as contract reference. |
| Dedicated Account Number | Dedicated account number used for settlement (e.g. Stark Bank). |
| Vehicle Name | Company name of the allocation vehicle (when applicable). |
| Vehicle Tax ID | Tax ID (CNPJ) of the allocation vehicle (when applicable). |
Block 3 – Loan Life Cycle (10 columns)
Describes the loan: when it was created, disbursed, endorsed, and its main financial terms.
| Column name in Excel | Description |
|---|---|
| Loan UUID | Unique key of the loan. |
| Loan Creation Date | Date the loan was created in the system. |
| Disbursement Date | Date the loan was disbursed to the borrower. |
| Endorsement Date | Date of the endorsement (when applicable). |
| Endorsement UUID | Unique key of the endorsement (when applicable). |
| Loan Net Amount | Net amount released to the borrower (after fees, if any). |
| Loan Principal Amount | Nominal principal amount of the loan. |
| Loan Investment Amount | Investment amount in the operation. |
| Loan Gross Amount | Total gross contract amount. |
| Monthly Interest Rate | Monthly interest rate or applied discount rate (as percentage). |
Block 4 – Operation Status and Performance (13 columns)
Describes the repayment schedule and installment: which installment was paid, its due date, status, and amounts (present value, outstanding balance, PMT components).
| Column name in Excel | Description |
|---|---|
| Repayment Schedule UUID | Unique key of the payment schedule. |
| Version - Renegotiation Traceability | Schedule version (helps trace renegotiations). |
| Installment UUID | Unique key of the installment. |
| Installment Number | Installment number (position in the schedule). |
| Original Due Date | Original due date of the installment. |
| Adjusted Due Date | Adjusted due date (e.g. after holiday/weekend rules). |
| Installment Status | Current status of the installment (e.g. paid, partially paid, not paid). |
| Overdue | Indicates whether the installment is overdue (Yes/No). |
| Installment Present Value | Present value of the installment at the report reference. |
| Installment Outstanding Amount | Outstanding (unpaid) balance of the installment. |
| Installment Fixed Amount | Total installment amount (total PMT). |
| Installment Fixed Principal | Principal component of the PMT. |
| Installment Fixed Interest | Interest component of the PMT. |
Block 5 – Payment Event (3 columns)
Describes the payment event itself: the allocation record and the amount and date of the payment.
| Column name in Excel | Description |
|---|---|
| Payment Allocation ID | Unique ID of the payment allocation (this payment event). |
| Effective Payment Date | Date the payment was effectively received. |
| Paid Amount | Amount actually paid and allocated to this installment (final cash flow number for this line). |
Report reference date and calculations
When you extract the report via the admin, you specify a date range. That range is used in two ways:
- Filtering: Allocations are included only when the payment received date falls between the Start date and End date (inclusive).
- Reference date (as-of date): The End date is used as the single reference date for all time-sensitive calculations in the report.
Present value and outstanding amount
Installment Present Value and Installment Outstanding Amount are calculated as of the End date you selected. They represent the value and unpaid balance of each installment at that point in time, not at report run time. Changing the End date will change these figures for the same allocation.
Overdue flag
The Overdue column is set to Yes only when all of the following are true (evaluated as of the End date):
| Condition | Description |
|---|---|
| Due date before reference date | The installment’s Due Date (adjusted) is strictly before the End date selected. |
| Outstanding balance | Outstanding Amount is greater than zero. |
| Installment status | The installment status is not_paid or partially_paid. |
If any of these conditions fails, Overdue is No. For example, a fully paid installment is never overdue, and an installment due after the End date is not considered overdue for this report.
Updated about 7 hours ago