The backdated payments wizard is used when an open installment loan was entered after its real-world payment history had already begun. It creates missing historical billing cycles and records historical payments in one controlled operation.

Where To Find It

Open the loan workspace, then open Billing Cycles.

For users with God Mode, CDM shows Add Missing Billing Cycles when the loan is Open and missing backdated billing periods are detected.

When To Use It

Use the wizard when:

• A loan is already active in the real world
• Historical billing periods are missing in CDM
• Historical payments need to be recorded against those periods
• Interest and principal splits need to match the historical timeline

Availability Rules

The wizard is available only for open installment loans.

The loan must have:

• First payment due date
• Payment amount
• Grace period
• Payments per year
• Valid billing-cycle schedule

If an existing billing cycle overlaps a missing period but does not exactly match it, CDM blocks setup and asks staff to review Billing Cycles first.

Step 1: Review Detected Periods