THE END-TO-END PLATFORM FOR FINANCIAL INSTRUMENT MANAGEMENT AT SCALE
Bank Guarantees, Letters of Credit, Fixed Deposits, Term Loans, Mutual Funds, Insurance, Agreements, and 6 more instrument types — managed from a single intelligent control tower with real-time NFB dashboards, automated alerts, and ERP-ready Journal Vouchers.
Finora
CONTROL
TOWER
Built for Finance-Intensive Industries
BUILT FOR FINANCE-INTENSIVE SECTORS
Finora is trusted by treasury and finance teams across banking, infrastructure, manufacturing, and trade — wherever financial instruments need rigorous lifecycle management.
Banking & Financial Services
Infrastructure & Real Estate
Manufacturing & Industry
Trade & Export Finance
NBFCs & Treasury
Enterprise Conglomerates
Two Powerful
PROCESS
WORKFLOWS
INSTRUMENT LIFECYCLE & ERP AUTOMATION ENGINES
Finora runs two core workflow engines simultaneously — the Instrument Lifecycle Engine tracks every BG, LC, FD, and more from creation to closure, while the ERP Automation Engine calculates commissions, reconciles bank charges, and pushes Journal Vouchers to SAP, Oracle, or Tally without human intervention.
Step 01
Instrument Creation
Create any instrument using pre-built templates — Bank Guarantee, LC, FD, Term Loan, Insurance. Capture all terms, bank details, beneficiary, and validity.
Step 02
Document Upload
Attach original instrument copies, invoices, shipping documents, KYC files, and certificates. All stored securely with version control and role-restricted access.
Step 03
Real-Time Monitoring
Track instrument status, NFB limit utilisation, bank-wise exposure, and expiry countdown in a single consolidated dashboard — updated in real time.
Step 04
Comparison of Instruments
Compare instruments across banks by rate, charges, tenor, and utilisation. Identify cost-saving opportunities and optimal bank selection for new requirements.
Step 05
Renewal, Approval & Closure
Trigger multi-level approvals for renewals or amendments. On closure, auto-generate bank reconciliation report and reconcile with ERP entries.
Step 06
Data & File Transfer
Archive all instrument records, communications, and supporting documents for audit readiness. Export complete instrument files for compliance or legal review.
Step 01
Commission Calculation
Bank-wise commission tables configured once. Charges auto-calculated per instrument per period — accurate to the day, no spreadsheet needed.
Step 02
Bank Statement Import
Import bank statements automatically. System matches charges against Finora records — unmatched items flagged for review within seconds.
Step 03
Reconciliation Report
One-click bank reconciliation report with matched, unmatched, and pending items. Export for audit or management review in PDF or Excel.
Step 04
Journal Voucher Generation
Auto-generate JVs for commission accruals, interest credits, FD maturity, and bank charges — GL account mapping applied per instrument type.
Step 05
ERP Push
Push JVs directly to SAP, Oracle, or Tally via API. ERP document reference returned and stored against the instrument for full traceability.
Step 06
Audit Trail
Every action logged with user, timestamp, and system reference. Full tamper-proof audit trail exportable for regulatory and statutory compliance.
Step 01
Expiry Alerts
Automated alerts at 90, 30, and 7 days before expiry for BG, LC, FD, Insurance, Licenses — delivered via Email, SMS, and in-app notification.
Step 02
Commission Due Alerts
Proactive alerts when commission or bank charges become due. Includes auto-calculated amount and bank details for action.
Step 03
Approval Workflows
Multi-level approval chains for instrument creation, amendments, and renewals. Configurable escalation rules with auto re-routing on non-response.
Step 04
NFB Threshold Alerts
Alerts when NFB limit utilisation crosses configured thresholds — 70%, 80%, 90%. Prevents accidental limit breaches.
Step 05
ERP JV Confirmation
Notification when Journal Voucher is posted to ERP — includes document reference, GL entries, and posting date for verification.
Step 06
Renewal Reminders
Automated renewal reminders for Insurance, Agreements, Licenses, and FDs — routed to the responsible owner with one-click initiation.
Platform
MODULES
13 INTEGRATED FUNCTIONAL MODULES
Every major financial instrument type covered end-to-end — from issuance and document management to expiry alerts, bank reconciliation, and ERP posting. All modules share a unified dashboard and data layer.
Core Financial Instruments
Bank Guarantee
Non-Fund Based
Full lifecycle — issuance, amendments, claims, expiry with NFB limit tracking and bank-wise commission auto-calculation.
Letter of Credit
Trade Finance
Import/Export LC with SWIFT templates, document compliance, and shipment document management.
Fixed Deposit (FD)
Investment
Auto-renewal, interest calculation, maturity alerts, and FDR tracking across multiple banks.
Term Loan
Fund Based
Repayment scheduling, interest tracking, covenant monitoring, and JV push to Finance ERP.
Operations & Compliance
Open Credit
Credit Mgmt
Credit limit tracking, utilisation monitoring, and vendor-wise open credit management.
Bill Discounting
Trade Finance
Invoice discounting workflows, bank charges automation, and reconciliation reports.
Statutories
Compliance
Compliance calendar, statutory payment tracking, and government filing due-date alerts.
Licenses & Certs
Regulatory
Centralised repository, expiry tracking, and renewal workflow management.
Strategic & Treasury
Agreements
Contracts
Templates, obligation tracking, auto-renewal alerts.
Insurance
Risk Mgmt
Policy management, premium due tracking, claims management.
Mutual Fund
Procurement
KYC workflows, document verification, vendor master.
Security / T-Bonds
Treasury
Bond lifecycle — issuance, coupon tracking, maturity alerts.
Platform CAPABILITIES
BUILT TO SCALE WITH
YOUR AMBITION
Finora is engineered for enterprise-grade volume, security, and integration. Whether you manage 50 instruments or 5,000 — across one entity or twenty — the platform scales without friction.
Full-Stack Automation
Commission calculation, bank reconciliation, JV posting, expiry alerts — all automated. Zero manual entries required for routine treasury operations.
Integration-Ready API
OpenAPI 3.0 specification. REST API with OAuth 2.0 and webhook support. SDKs available for Python, Node.js, and Java. Certified SAP, Oracle, and Tally connectors.
Enterprise Security
Field-level RBAC, 2FA, SSO/SAML 2.0, TLS 1.3 in transit, AES-256 at rest. Complete tamper-proof audit logs for every user action.
AMFI Live Feed
Daily NAV data for all registered Mutual Fund schemes pulled directly from AMFI. Portfolio values auto-updated and reconciled with bank statements.
Cloud-Native Scale
Multi-entity, multi-branch architecture with horizontal auto-scaling. 99.9% uptime SLA. Handles thousands of concurrent instrument transactions without degradation.
Executive Reporting
Board-ready dashboards, portfolio exposure reports, NFB utilisation trends, commission cost analysis — exportable in PDF, Excel, and CSV formats.
NFBLIMIT DASHBOARD
REAL-TIME NFB LIMIT VISIBILITY & BANK-WISE TRACKING
The NFB Limit Dashboard gives CFOs and Treasury teams an instant, consolidated view of every sanctioned credit facility — bank-wise, instrument-wise, and by available headroom. No more guesswork on limit utilisation.
SALIENT FEATURES —
BUILT FOR ENTERPRISE FINANCE
Purpose-engineered for treasury and finance teams managing high-value instruments. Every feature eliminates a manual process, reduces risk, or accelerates decision-making.
13+
Instrument Modules
99.9%
Platform Uptime SLA
360°
Lifecycle Visibility
ERP
SAP · Oracle · Tally
01 — Interface
Role-Based Dashboard
CFO, Treasury, Operations, and Auditor views — customised drill-down from consolidated summary to individual transaction level.
02 — Management
Full Lifecycle Control
Templatized creation, multi-currency, multi-bank, multi-entity support with complete amendment history and audit trail.
03 — Documents
Centralised Repository
Upload instruments, invoices, shipping docs, and KYC. Version control with access restrictions by role. Always audit-ready.
04 — Alerts
Smart Notifications
Automated alerts at 90/30/7 days before expiry. Commission due, invoice, and approval workflow notifications via Email, SMS, and in-app.
05 — Automation
Auto Commission & Recon
Bank-wise commission tables configured once — applied automatically. Bank reconciliation and JV generation in one action.
06 — Integration
ERP Journal Vouchers
JVs auto-generated for commissions, interest, and charges — pushed directly to SAP, Oracle, or Tally with GL account mapping.
07 — Security
Enterprise RBAC
Field-level role-based access control, 2FA, SSO/SAML 2.0, TLS 1.3, and tamper-proof audit logs for compliance reporting.
08 — Scale
Grows with You
Multi-entity, multi-branch cloud-native architecture. Configurable for any industry. 99.9% uptime SLA with horizontal auto-scaling.
Integrations
CONNECT
CONNECT CONNECT TO YOUR ENTIRE ECOSYSTEM
Finora is API-first — every feature accessible through the UI is also available programmatically, enabling seamless connection with your ERP, banking portals, notification systems, and internal tools.
Finance ERP
SAP, Oracle, Tally — push Journal Vouchers automatically with configurable GL account mapping.
AMFI Integration
Daily NAV feed for all registered Mutual Fund schemes — auto-updated, auto-reconciled.
Email / SMS Gateway
Alerts via SendGrid, SMTP, or any SMS provider. Multi-channel notification delivery.
REST API & Webhooks
OpenAPI 3.0 spec. OAuth 2.0 authentication. Real-time webhooks for any event type.
INSTRUMENT LIFECYCLE — ZERO MANUAL STEPS
Every instrument moves through a structured, automated lifecycle — from creation through closure — without manual follow-up or spreadsheet tracking.
Create
Issue instrument with templates & approval workflows
Document
Upload & store all related instruments and supporting docs
Monitor
Real-time tracking — limits, status & utilisation daily
Alert
Auto-notify on expiry, commission due & approval needed
Close & Post
Bank reconciliation & JV auto-posted to Finance ERP
MOBILE
FIELD-READY
APPS
FIELD-READY MOBILE APPLICATIONS
Finora’s mobile applications put the full power of the Control Tower in the hands of treasury and finance professionals — wherever they are. Real-time dashboards, approval actions, and alert management — all on iOS and Android.
- NFB Dashboard on the go — real-time limit utilisation and instrument status from your phone
- One-tap approvals — approve instrument creation, amendments, and renewals from anywhere
- Push notifications — expiry alerts, commission due reminders, and JV confirmations instantly
- Document access — view and share instrument documents and certificates on demand
- Portfolio analytics — Mutual Fund NAV and portfolio performance at a glance
Treasury Manager App
Full NFB dashboard, limit monitoring, instrument status, and approval workflows. Available iOS & Android.
Alert & Resource Mgmt
Real-time expiry alerts, commission notifications, and one-tap approval or escalation for all instrument types.
Portfolio Analytics
AMFI-integrated Mutual Fund portfolio viewer — daily NAV, scheme performance, SIP tracking, and maturity projections.
Document Vault
Secure mobile access to all instrument documents — BG copies, FDRs, insurance policies, agreements, and KYC files.
Get Started
READY TO MODERNISE YOUR
FINANCIAL INSTRUMENT OPERATIONS?
Join treasury and finance teams across industries who use Finora Control Tower to eliminate manual effort, prevent missed expirations, and gain real-time visibility over every financial instrument in their portfolio.
No credit card required · 14-day free trial · Onboarding included