Can / should a loan account be connected?
Planning always focuses on operating cash flows. From a management perspective, it is therefore common and sensible to connect only operating accounts.
Why does a loan account “distort” liquidity?
If you connect a loan account, its account balance, which is often strongly negative, is included in the total liquidity.
Since COMMITLY shows the sum of all connected accounts as liquidity, this creates a picture that is not helpful for operational management.
Therefore:
Connect operating accounts
Map debt service (interest + repayment) as expenses
Do not connect loan accounts
This way, liquidity is shown as what you can actually dispose of operationally.