Some of your biggest financial obligations don't show up as obvious outflows in your bank account; they sit quietly as balances owed on credit cards, drawn-down lines of credit, or advances from a factoring facility. This article explains how to make those liabilities visible in Frank.
Why These Are "Invisible"
Frank builds your cash position from your connected bank and financial accounts. If a liability account: a credit card, a line of credit, or a factoring balance isn't connected, Frank has no way of knowing it exists. Your available cash looks higher than it really is, and your true position is hidden.
The fix is the same in each case: connect the account so Frank can see the outstanding balance.
Credit Cards
Credit cards typically have their own bank feed. To add one:
Go to Settings → Bank Accounts.
Click Add Account and search for your card provider.
Connect the account and set the Account Type to Credit Card.
Once connected, Frank shows your credit card balance as a liability, the amount you currently owe. This is subtracted from your available cash so your position reflects reality.
If you have team member cards under a single facility: connect only the main credit facility account, not each individual card. Connecting sub-cards separately causes double-counting. See Setting Up Corporate Credit Cards with Team Member Cards for the full setup.
Lines of Credit
A line of credit is a revolving facility; you draw from it when you need cash, and the drawn amount is what you owe. To make this visible in Frank:
Go to Settings → Bank Accounts and click Add Account.
Search for your lender and connect the line of credit account.
Set the Account Type to Line of Credit or Loan.
Frank will show the drawn balance as a liability. If your lender doesn't support a direct bank feed, connect the account manually and update the balance periodically so Frank stays accurate.
If you cannot connect a line of credit, don't worry. Frank will be able to see the payments towards the LOC and count it out as debt.
Factoring Facilities
Factoring works differently: you sell your invoices to a factoring company, who advances you a percentage of the invoice value upfront. The advance hits your bank account as a deposit; so Frank sees the cash coming in; but the invoices are no longer yours to collect, and you'll owe fees when the debtor pays.
To track this accurately in Frank:
If your factoring company provides a dedicated account or portal with a balance feed, connect it via Settings → Bank Accounts and set the type to Loan or Line of Credit.
If there's no feed available, categorize the advance deposits under a Financing category so Frank doesn't treat them as revenue. This keeps your P&L clean.
When factoring fees are debited from your account, categorize those as Finance Costs so they're visible as a real expense.
The goal is that Frank sees the advance as a liability inflow, not as trading income, so your cash position and forecasts remain accurate.
Checking Your Coverage
To confirm all your liability accounts are connected, go to Settings → Bank Accounts and scan the list. Every credit card, line of credit, and loan facility you actively use should appear there with a current balance and a recent sync date.
If a balance looks stale or wrong, click the account and use Refresh to force a sync, or update the balance manually.
Summary
Frank can only show what it's connected to. Add each liability account: credit cards, lines of credit, factoring facilities, via Settings → Bank Accounts and set the correct account type. Once connected, your Available Cash figure will reflect what you actually have after your obligations, not just what's sitting in your operating accounts.