Loan liability rollforward (per financial year)

Opening balance to principal repaid to interest charged to closing balance, per loan per FY. Audit-style movement report.

Whole-of-fleet FY interest summary

Asset disposals & balancing adjustments

For disposed/traded assets: sale value vs tax written-down value = assessable gain or deductible loss (apportioned for business use). Indicative — confirm with your accountant.

Total cost of ownership (per asset, annual)

Finance interest (averaged over each linked loan's term) plus your annual running costs — registration, insurance, servicing and other. Add running costs on each asset (Edit → Running costs). Indicative — confirm with your accountant.

Activity log

Recent changes to your loans and assets. Edits to tax-affecting fields (rate, depreciation method, balloon, disposal…) are recorded — an audit trail for the figures. Cloud accounts only.

Early payout figure

Outstanding balance at a chosen date, and the interest you'd save by clearing the loan then. Break fees vary by lender — add yours if known.

Refinance comparison

Compare staying on the current loan versus refinancing the outstanding balance at a new rate and term.

Compare two finance offers

Pre-purchase decision: enter each lender's offer — the rate OR the repayment (Finway derives the other) — and see which costs less over the full term. Indicative — confirm with your accountant.

Portfolio summary

Rate sensitivity

Move the slider to see how a rate change flows through your variable-rate loans (fixed loans are locked). Respects the current entity filter.

BAS quarterly interest summary

Interest + fees grouped by Australian BAS quarter (Q1 Jul–Sep, Q2 Oct–Dec, Q3 Jan–Mar, Q4 Apr–Jun).

Enter the loan amount and any two of rate, repayment and term — leave the one you want to work out blank and Finway solves it.

Region & tax

Your country sets the default GST treatment for new finance and how tax is labelled. Finway supports Australia and New Zealand.

Profile

Your display name appears in the header and is recorded against your changes in the activity log — so you don't have to use your email address.

Finway is built to be shared. The plan is that you'll be able to invite an accountant or bookkeeper by email and choose what they can see:

• A whole entity — every loan and asset for one business (e.g. give your bookkeeper "Acme Earthworks Pty Ltd").
• A single loan or asset — share just one facility, for a specific question.
• View or edit — read-only for a quick review, or edit if they manage the books.

The database already enforces this per-row, so a person only ever sees what's been shared with them. The invite flow is the next piece to build — it needs a couple of decisions from you first (see the note below).

Save

Region and profile settings are stored on this device (and per person once you're signed in).