Importing client information into File In Time software from Excel saves you the time of manually entering each client in the Client Information window. File In Time software is capable of importing data that is in a comma-delimited or tab-delimited text format.

In 1984, the Tax Reform Act set provisions for applicable federal rates (AFRs). This is a minimum tax rate that must be charged on all loans, including personal/family loans. The IRS provides various prescribed rates for federal income tax purposes each month and TimeValue Software offers them on our website at Applicable Federal Rates | TimeValue Software.

Municipal Loans often offer a unique structure that combines both interest-only payments every 6th month and annual fixed principal plus interest payments.

Many deals are structured with deferred payments at the start of the loan. It is a common practice to help the Company’s cash flow and give the borrower time to get the asset up and running before payments start.

TValue is a popular tool for calculating the blended rate on a variable rate loan or for multiple loans in a portfolio. This is also known as the weighted average rate. With TValue, it is an easy exercise to get this magic number. Here are two examples of different customer cases we recently handled.