{"id":4614,"date":"2016-10-27T12:00:25","date_gmt":"2016-10-27T15:23:14","guid":{"rendered":"http:\/\/margill.com\/en\/?p=4614"},"modified":"2025-10-10T11:46:18","modified_gmt":"2025-10-10T15:46:18","slug":"corporate","status":"publish","type":"post","link":"https:\/\/margill.com\/en\/corporate\/","title":{"rendered":"Corporate"},"content":{"rendered":"<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\">The choice of thousands<\/h3>\n<ul>\n<li>SMEs and large corporations<\/li>\n<li>Corporate legal departments<\/li>\n<li>Corporate<\/li>\n<li>Corporate billing departments<\/li>\n<li>Accountants\n<ul>\n<li>Corporate clientele<\/li>\n<li>General public clientele<\/li>\n<\/ul>\n<\/li>\n<li>Law offices<\/li>\n<li>Government agencies<\/li>\n<li>See also: <a href=\"\/en\/market-collection\/\">Collection<\/a>, <a href=\"\/en\/finance\/\">Finance<\/a>, <a href=\"\/en\/real-estate\/\">Real Estate<\/a>, <a href=\"\/en\/law-interest-calculator\/\">Law<\/a><\/li>\n<\/ul>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">Common corporate calculations<\/span><\/b><\/h2>\n<ul>\n<li>Bill (accounts payable) collection<\/li>\n<li>Asset finance (equipment, trucks, cars)<\/li>\n<li>Loan and Mortgage calculations (regular and irregular payments at fixed or variable interest rates)<\/li>\n<li>Calculation of bond premium (schedule of bond premium amortization &#8211; effective interest method\n<ul>\n<li>Calculation of bond discount<\/li>\n<li>Zero-coupon bonds<\/li>\n<\/ul>\n<\/li>\n<li>Present value calculations (regular, irregular, indexed future cash flows) for investment (equipment purchase, corporate acquisition)<\/li>\n<li>Various legal calculations &#8211; see <a href=\"https:\/\/margill.com\/mle\/indexMLE-en.htm\">Law<\/a><\/li>\n<\/ul>\n<h2 class=\"texteOrange\"><span style=\"font-size: small;\"><b>Standards-based<\/b><\/span><\/h2>\n<ul>\n<li><b>International standards and recognized principles<\/b> for the calculation of interest (Americas, Europe, Asia, Australia, Africa)<\/li>\n<li><b>United States banking rules <\/b>(Regulation Z, Truth in Lending Act)<\/li>\n<li><b>European Community rules <\/b>(Directive 98\/7\/CE)<\/li>\n<li><b>Canadian rules<\/b><\/li>\n<li><b>Day count <\/b>conventions : Actual\/actual (also known as Actual\/365), 30\/360, Actual\/360, Actual\/365(Fixed)<\/li>\n<li>Actuarial rule (Normal amortization), Fixed capital and Interest only<\/li>\n<\/ul>\n<ul>\n<li><b>Simple<\/b> and <b>Compound<\/b> interest<\/li>\n<li><b>Unique<\/b> (fixed) or <b>variable<\/b> interest rates<\/li>\n<li>4-decimal-point accuracy<\/li>\n<li>Multi-currency<\/li>\n<li>Printed reports that include quarterly and \/or annual and choice of the financial year-end<\/li>\n<li>Export of the data to Excel,Word, XML, RTF<\/li>\n<\/ul>\n<p align=\"center\"><a href=\"\/en\/specialized-features\/\"><b>Highly specialized features<\/b><\/a><br \/>\n(for total accuracy in Amortization)<\/p>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">Real-life examples of various calculations<\/span><\/b><\/h2>\n<p>Click to see Margill examples:<\/p>\n<ul>\n<li><a href=\"\/en\/collection\/#2\">Collection of unpaid accounts receivable<\/a><\/li>\n<li><a href=\"\/en\/asset-finance-leasing\/#1\">Asset finance \/ Leasing<\/a><\/li>\n<li><a href=\"\/en\/asset-finance-leasing\/#3\">Decision to purchase equipment or not based on purchase price and future profits generated<\/a><\/li>\n<li><a href=\"\/en\/bonds\/#1\">Calculation of bond premium (schedule of bond premium amortization &#8211; effective interest method<\/a>\n<ul>\n<li><a href=\"\/en\/bonds\/#2\">Calculation of bond discount<\/a><\/li>\n<li><a href=\"\/en\/bonds\/#3\">Zero-coupon bonds<\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=\"\/en\/loans\/#3\">Loan with regular payments<\/a><\/li>\n<li><a href=\"\/en\/loans\/#4\">Irregular loan &#8211; <span class=\"texteRouge\">let&#8217;s make this fun!<\/span> refund interest only, then of a fixed principal amount and a regular refund. Let&#8217;s include missed and late payments and even an NSF check!<\/a><\/li>\n<li><a href=\"\/en\/loans\/#4-1\">Loan that includes unknown future interest rates with payments adjusted as these rates become known<\/a><\/li>\n<li><a href=\"\/en\/mortgages\/#1\">Regular mortgage<\/a>\n<ul>\n<li>USA, Europe, Australia&#8230;<\/li>\n<li>Canada<\/li>\n<\/ul>\n<\/li>\n<li><a href=\"\/en\/mortgages\/#2\">Irregular mortgage with lump sum payments and variable interest rates<\/a><\/li>\n<li><a href=\"\/en\/mortgages\/#3-1\">Variable-rate mortgage with payments adjusted according to the interest rates in force<\/a><\/li>\n<li><a href=\"\/en\/loans\/#4-1\">Mortgage includes unknown future interest rates with payments adjusted as these rates become known<\/a><\/li>\n<li><a href=\"\/en\/investments\/#2\">Annual Rate of return<\/a><\/li>\n<li><a href=\"\/en\/investments\/#2a\">Annual Rate of return in complex situations (regular or irregular investments and payouts)<\/a><\/li>\n<\/ul>\n<table class=\"texteRouge\" border=\"1\" width=\"80%\" cellspacing=\"0\" cellpadding=\"15\" align=\"center\" bgcolor=\"#FFCC99\">\n<tbody>\n<tr align=\"center\">\n<td height=\"108\">\n<h3><b><span style=\"font-size: small;\">Fully exploit the power of Margill!<\/span><\/b><\/h3>\n<p align=\"left\">Once the amortization schedule is calculated, use the<b> <a href=\"\/en\/corporate\/\">right mouse click<\/a> <\/b>to create totally custom payment schedules: interest only, fixed principal, irregular payment amounts and dates, lump sum, missed and extra payments, variable interest rates, new principal, etc.<\/p>\n<h3><b><span style=\"font-size: small;\">TOTAL flexibility available ONLY in Margill<\/span><\/b><\/h3>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">Multiple variable interest rate tables and indexation tables included &#8211; OR create your own<\/span><\/b><\/h2>\n<ul>\n<li>All variable interest rates can be incremented (or reduced) by x% as of any date<br \/>\nFor example, prime + 2,5% starting November 15, 2004<\/li>\n<\/ul>\n<p><b>Central Bank interest tables<\/b><\/p>\n<ul>\n<li>United-States &#8211; Discount rate (Federal reserve)<\/li>\n<li>Great-Britain &#8211; Repo rate<\/li>\n<li>Canada &#8211; Target rate (preferential)<\/li>\n<li>Australia &#8211; Cash rate<\/li>\n<li>Hong Kong &#8211; Base rate<\/li>\n<li>Europe &#8211; Key rates &#8211; Deposit facility &#8211; European Central Bank<\/li>\n<li>South Africa &#8211; Prime rate<\/li>\n<\/ul>\n<p><b>Late tax rates<\/b><\/p>\n<ul>\n<li>US Internal Revenue Service (IRS) underpayments<\/li>\n<li>Canada Revenue Agency (CRA) underpayments<\/li>\n<\/ul>\n<p><b>Legal interest rates<\/b><\/p>\n<p>USA (federal post-judgement interest rates), Canada (Ontario, British Columbia, Quebec), Great-Britain, Australia, France, Belgium, Luxembourg<\/p>\n<p><b>Indexation tables:<\/b><\/p>\n<ul>\n<li>Inflation rates for various countries: USA, Canada, Great Britain, Australia, France, Switzerland, Belgium, Luxembourg,<\/li>\n<li>Historical performance of Stock market indices (annual % change)\n<ul>\n<li>Dow Jones Industrial Index, S&amp;P 500, NASDAQ, FTSE (London), Toronto Stock Exchange, Hong Kong Hang Seng, Bourse de Paris<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; The choice of thousands SMEs and large corporations Corporate legal departments Corporate Corporate billing departments Accountants Corporate clientele General public clientele Law offices Government agencies See also: Collection, Finance, Real Estate, Law Common corporate calculations Bill (accounts payable) collection Asset finance (equipment, trucks, cars) Loan and Mortgage calculations (regular and irregular payments at fixed [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[193,421,404],"tags":[],"class_list":["post-4614","post","type-post","status-publish","format-standard","hentry","category-knowledge-base","category-margill-and-industry-new","category-margill-loan-manager"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Margill | Our software and corporate market<\/title>\r\n<meta name=\"description\" content=\"Learn how our software can help within the corporate market.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/margill.com\/en\/corporate\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta 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