Features · Contracts
Payment plans that build themselves — money in and money out
The schedule is where deals go wrong by hand: a formula slips, a period is forgotten, interest is guessed. In Flows you state the terms once and the plan generates itself — on sales contracts for money coming in, on purchase contracts for money going out.
01
From terms to schedule in one click
Amount, number of periods, credit term or start date, down payment if any — enter the terms and generate. Every period appears with its own amount and due date, adjustable before saving, and every later edit is logged.
- Generated from the terms
- Down payments supported
- Adjustable before saving
- Edits logged for audit
Sales contracts
Payment plan generated — 12 periods
Period 1 · Sep 30฿104,166
Period 2 · Oct 31฿104,166
02
Four interest methods, including none
Equal principal, equal installment on the reducing balance (ลดต้นลดดอก), flat rate, or plain interest-free credit terms — chosen per contract, matching how Thai businesses actually sell machinery, goods, and services. The math is the system's job.
- Equal principal
- Reducing balance (ลดต้นลดดอก)
- Flat rate
- Interest-free credit terms
Contracts — money in & money out
Sales · money in
78% collected
Purchases · money out
55% paid on plan
Net cash this month
+฿204,100
03
The plan is what everything else obeys
Reminders fire from the plan's due dates, write-offs settle against its periods, documents bill its installments, and overdue periods escalate from it. One schedule, one truth — for receivables and payables alike.
- Reminders from due dates
- Write-offs settle periods
- Invoices bill installments
- Same logic both directions
AR write-off center
Inside the module
Real screens from Flows ERP — what your team will actually work in.
Generating a schedule
Terms on the left, the generated periods on the right — amounts and due dates ready to adjust and save.
A plan mid-life
Some periods settled, one partially paid, the next reminding — the plan as the live state of the deal.
Why Flows
What makes Flows different
Not another generic ERP — a system built around how Thai SMEs actually buy, sell, and collect.
See how onboarding works →Priced per company, not per seat
One annual price, every module included. Add users freely within your tier — no feature gates, no seat fees.
Three languages with auto-translation
Thai, English & Chinese UI — and the data your team enters is translated automatically, so everyone reads the same records.
Your documents, exactly your format
Send us your invoice and receipt templates; our team configures them into Flows. Every document comes out looking like yours.
We walk you live — and stay
Five-step onboarding at no extra cost, then quarterly system stability reports. We don't disappear after go-live.
Spec sheet
What the payment-plan engine ships with — included in every plan.
Directions
Receivable plans (sales) · payment plans (purchases)
Interest
Equal principal · reducing balance · flat · none
Terms
Credit terms, down payments, custom period counts
Generation
One click from the contract's terms
Adjustment
Editable before and after saving, with audit log
Reminders
Every period carries its own due-date alert
Settlement
Write-offs settle against specific periods
Escalation
Overdue periods flow into collections & penalty
Frequently asked questions
How do I create a payment schedule in Flows ERP?
On the contract, enter the amount, number of periods, credit term or start date, the interest method (or none), and any down payment — then generate. The full schedule appears with per-period amounts and due dates, ready to adjust before saving.
Which interest methods are supported?
Four: equal principal, equal installment on the reducing balance (ลดต้นลดดอก), flat rate on the original principal, and interest-free credit terms. You choose per contract; most trading deals use plain credit terms.
Can a plan include a down payment?
Yes — state the down payment in the terms and the schedule builds around it, with the remaining periods covering the balance.
Can we edit a plan after it's saved?
Yes — plans are editable, and every change lands in the audit log, so the schedule can follow a renegotiation without losing its history.
Do purchase contracts get the same engine?
Yes — payment plans on purchase contracts mirror receivable plans on sales contracts: same generation, same methods, same reminders — just money flowing out instead of in.
What happens when a period isn't paid?
It flags itself overdue, keeps reminding, and — if you use those modules — the contract can enter collections with penalty interest accruing by its configured rules.
Stop building schedules by hand.
Start a free one-month trial, or book a demo and bring a real deal's terms — we'll generate its plan live.