Reading the Financing (EMI) Dashboard and Coverage
If you’ve financed vehicles or equipment on a loan, the big question every month is simple: is the rent I’m collecting keeping up with the EMIs I owe? The Financing (EMI) dashboard answers exactly that. It puts your period revenue next to your EMI obligation, works out the difference, and shows a clear Covered or Shortfall badge so you know where you stand at a glance.
You’ll find it under Financials → Financing (EMI) in the main menu.
Not seeing the page? Financing is turned on per organisation. It needs the Asset Financing subscription module, the org toggle at Settings → Operations → “Enable Asset Financing (EMI)”, and the financing.read permission. If the module is off, the page shows a short message explaining how to enable it. See Vehicle Financing (EMI): Overview and Turning It On.
Pick Your Period
A toggle at the top right of the page controls the window every number on the dashboard is measured over:
- Today
- This Week (week to date)
- This Month (month to date — the default)
Switch periods and all four tiles recalculate together. This Week and This Month are to-date, so the comparison always reads “have my collections so far covered this period’s obligation?”
The Four Tiles
Across the top you’ll see four summary tiles.
| Tile | What it shows |
|---|---|
| Revenue | Rent you’ve collected in the selected period. The label changes with the period — “Today’s Revenue”, “Revenue · This Week”, or “Revenue · This Month”. A caption underneath breaks out how much came from financed assets. |
| EMI obligation | Your total EMI due for the period — “Total Daily EMI”, “EMI · 7 Days”, or “EMI · Monthly”. The caption shows the monthly figure and how many active loans it covers. |
| Remaining Balance | Collections minus the EMI obligation. Green when you’re ahead, red when you’re behind. |
| Coverage | A badge — Covered or Shortfall — with a caption telling you the surplus amount or how much you’re short by. |
How Coverage Is Decided
Coverage is just the sign of your Remaining Balance:
- Covered (green shield) — collections are greater than or equal to the EMI obligation. The caption reads “Surplus of …”.
- Shortfall (red shield) — the EMI obligation is larger than what you collected. The caption reads “Short by …”.
Because week and month figures are to-date, a Shortfall early in the month often just means the month isn’t over yet — keep an eye on it as collections come in rather than treating it as a red flag on day two.
How the EMI Number Is Worked Out
Every loan is stored with a monthly EMI, and the dashboard derives the rest from it:
- Daily EMI = monthly EMI × 12 ÷ 365
- Weekly (7 days) = daily EMI × 7
- Monthly = the monthly EMI as-is
Only active loans count toward the obligation — closed loans are excluded entirely.
Drilling Into the Numbers
Two of the tiles are clickable so you can see exactly what’s behind the figure.
Revenue breakdown
Click the Revenue tile to open ”… how it’s calculated”. It lists every PAID invoice in the period with these columns:
| Column | Meaning |
|---|---|
| Invoice | The invoice number |
| Date | When it was raised |
| Amount | Invoice total |
| Waived | Any amount written off |
| Net | Amount minus waived — what actually counts |
| Financed Share | The slice of that invoice attributed to actively financed assets |
The footer totals both the org revenue and the financed share so the tile’s caption number is fully traceable.
EMI breakdown
Click the EMI obligation tile to see the active loans behind the number — asset, tag, lender, and monthly EMI, plus a Calculation column (on the Today and This Week views) that spells out the daily-EMI maths for each loan. The footer shows the period total.
Who Can See the Money Figures
Sensitive numbers are hidden from staff who shouldn’t see revenue. If you don’t have the reports.read permission, the Revenue, Remaining Balance, Coverage, and lifetime Collected figures show as dots (••••) instead of amounts, and the Revenue tile won’t open its breakdown. The EMI obligation tile stays visible to everyone with access to the page — it’s your cost, not your revenue.
Editing loans, recording payments, and closing loans need the financing.write permission. Read-only users can view the dashboard but won’t see the action buttons on the register below.
Reading the Financed Assets Table
Below the tiles is the Financed Assets register, with an Active / Closed filter and a Recovery % progress bar per loan. That table has its own guide — see Managing the Financed Assets Register.