Sources of Funds
How to define funding pools and effective-dated costs used by loan pricing.
A Source of Funds represents the pool from which lending capital comes, such as customer deposits, donor funds, equity, external borrowing, or internal funds. It is not a Currency or an Account. It tells loan pricing what funding source is available and how its cost should be determined.
Open Business Configuration → Financial Configuration → Source of Funds.
Access and approval model
Source of Funds uses immediate configuration. Read, Create, Update, Delete, and Export control the corresponding actions. Create also permits import.
Effective-dated Funding Rates are separate Source Funds Rate records. They use maker-checker and amendments. Adding a rate requires Create Source Funds Rate. Changing one requires Update Source Funds Rate. Approval requires the matching level and authorization permission.
Create a Source of Funds
Select Create Source of Funds and complete:
| Field | Meaning |
|---|---|
| Code, Description | Stable identifier and user-facing name. Code cannot be changed later. |
| Source Type | Customer deposits, donor funds, equity, external borrowing, internal funds, or other. |
| Pricing Mode | Manual Rate, Fixed Rate, Weighted Cost, or Benchmark Plus Spread. |
| Include in Loan Pricing | Makes the active source selectable by loan-product pricing rules. |
| Counterparty Customer | Optional customer or institution represented by the pool. |
| Currency | Optional currency associated with the pool. |
| Available Amount, Limit Amount | Optional capacity information. |
| Liquidity Haircut Percent | Optional reduction used when assessing usable liquidity. |
Changes to the Source take effect when saved. Deletion is blocked while an active loan-pricing configuration still depends on it.
Add a Funding Rate
Open the Source and select Funding Rates → Add Rate. Choose an Authorized Source Funds Rate Definition, then enter Rate, Effective From, optional Effective To, and optional Pricing Basis. Effective To cannot precede Effective From.
Submit the rate through its approval sequence. An amendment changes an Authorized rate without replacing the active value before approval.
Do not add a manual Funding Rate when Pricing Mode is Weighted Cost. remoteEaze derives that cost from COB balance snapshots, so Add Rate is not shown for that mode.
Loan Products decide whether the source is permitted and how it contributes to pricing. During an application, the pricing journey selects or derives the applicable source and rate. See Lending configuration.