Overview
Capitalium is a comprehensive financial management platform built for regulated financial institutions. Whether you manage investment funds, operate a microcredit organization, run a brokerage firm, or handle factoring operations — our platform provides the tools you need to streamline operations, ensure compliance, and drive growth.
Fund Management
Comprehensive tools for standard and alternative investment fund administration
Fund Creation & Administration
Create and manage standard and alternative investment funds with full lifecycle support — from inception to liquidation. Define fee structures, allocation policies, and regulatory parameters.
Portfolio Management
Track positions across all asset classes — equities, bonds, loans, and money market instruments. Real-time portfolio analytics with unrealized gains/loss calculations and position reconciliation.
Exposure Analysis
Analyze fund exposure across multiple dimensions — by issuer, market, currency, and sector. Monitor compliance with allocation policies and regulatory limits in real-time.
Fee Management
Flexible fee structures supporting management fees, performance fees, and depositary fees. Automated accrual calculations with full transparency and posting to the general ledger.
Financial Reporting
Generate regulatory-compliant financial statements including balance sheets, trial balances, asset cards, and custom reports. Export to multiple formats for stakeholders and regulators.
Asset Valuation
Fair value assessment for all asset types with support for active and inactive asset pricing. Bond and equity valuation models with configurable estimation methodologies.
How It Works
Create Fund
Define fund parameters, fee structures, and allocation policies
Onboard Shareholders
Register shareholders and process subscriptions
Manage Portfolio
Execute trades, track positions, and monitor performance
Calculate NAV
Run automated daily valuations with fee accrual
Generate Reports
Produce financial statements and regulatory filings
Loan & Microcredit Management
Complete loan lifecycle management from origination to servicing
Loan Origination
Streamlined loan request workflow from initialization through approval. Manage principal amounts, interest rates, terms, and grace periods with configurable business rules.
Amortization Schedules
Automated calculation of repayment schedules with support for various amortization methods. Preview and adjust schedules before loan disbursement.
Collateral & Guarantor Management
Comprehensive collateral tracking including pledges, mortgages, and guarantees. Manage joint and several guarantee agreements with full documentation support.
Risk Assessment
Automated borrower risk scoring with configurable questionnaires and decision engine. Generate risk decisions (approved, rejected, conditional) with override capability for authorized officers.
Penalty Interest Calculation
Automatic late payment penalty calculations with configurable rate segments. Generate penalty documents, track penalty history, and post to the general ledger.
Loan Loss Reserves (IFRS 9)
IFRS 9 compliant loan classification and reserve calculations. Track general and specific reserves with delta tracking and automated journal entry posting.
Loan Restructuring
Preview restructuring scenarios with partial repayment calculations. Execute restructuring with new terms, generate new amortization schedules, and maintain full audit trail.
Document Generation
Automatically generate loan contracts, promissory note statements, guarantee agreements, pledge contracts, and approval decisions from customizable templates.
How It Works
Loan Request
Submit and configure loan parameters and terms
Risk Assessment
Automated borrower scoring and evaluation
Approval
Multi-level approval with decision documentation
Disbursement
Process loan disbursement with generated contracts
Servicing
Track repayments, penalties, reserves, and restructuring
Brokerage Operations
Securities trading and compliance for brokerage firms
Order Management
Create and manage buy/sell orders for equities and bonds. Support for limited and market orders with configurable delivery methods and commission structures.
Multi-Tier Approval Workflow
Segregated front office and middle office workflows. Orders require independent approval before execution, ensuring regulatory compliance and risk management.
Trade Execution & Settlement
Process trade tickets, confirm execution, and manage settlement. Track trade costs, commissions, and delivery across all settlement types.
Compliance Monitoring
Real-time allocation policy compliance checks. Monitor fund exposure limits by issuer, market, currency, and sector. Automated impact analysis before order execution.
Conflict of Interest Management
Maintain a registry of connected persons and their relationships. Track personal transactions, business activities, and information access for full regulatory compliance.
Market Data Integration
Aggregate asset prices from multiple external providers with automated imports. Manage FX rates, track price history, and ensure up-to-date valuations across all positions.
How It Works
Create Order
Front office creates buy/sell order with parameters
Approve
Middle office reviews and approves with compliance checks
Execute
Process trade and confirm execution
Settle
Complete settlement and update portfolio positions
Report
Generate trade confirmations and regulatory reports
Factoring Operations
Receivables management and factoring workflows
Invoice & Receivables Management
Track and manage purchased receivables through the complete factoring lifecycle. Monitor invoice status, payment dates, and outstanding balances in real-time.
Client & Debtor Management
Comprehensive counterparty database with multi-role support. Manage client profiles, contact information, and KYC data for sellers and debtors.
Approval Workflow
Structured approval process from factoring request through disbursement. Multi-level authorization with full documentation and audit trail.
Portfolio Analytics
Real-time factoring portfolio analysis with aging reports, concentration analysis, and performance metrics. Generate financial statements and management reports.
How It Works
Submission
Client submits invoices for factoring
Review
Evaluate debtor risk and invoice validity
Approval
Approve factoring terms and conditions
Disbursement
Advance funds to the client
Collection
Track and collect receivables from debtors
Platform Features
Core capabilities shared across all products
General Ledger & Accounting
Full double-entry accounting with chart of accounts, manual and automated journal entries, and multi-currency support following international accounting standards.
Multi-Currency Support
Native multi-currency handling with FX rate management, automated currency conversions, and currency-specific account mappings across all operations.
Document Generation Engine
Template-based document generation producing professional contracts, statements, and reports. Customizable templates with automatic data population and PDF export.
Complete Audit Trail
Every action is tracked with full entity change history, user attribution, and data lineage. Meet regulatory audit requirements with comprehensive logging.
Role-Based Access Control
Granular permission management with role-based access control. Define user roles, restrict access to sensitive operations, and maintain security compliance.
Executive Dashboard
Real-time KPI dashboard with portfolio value tracking, fund performance metrics, shareholder statistics, and customizable overview panels.
Comprehensive Reporting
Full suite of financial reports including balance sheets, trial balances, account statements, asset cards, and regulatory filings. Export to multiple formats.
Ready to transform your operations?
Contact our team for a personalized demo and see how Capitalium can streamline your financial operations.
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