IC Loans: Priorities & Context¶
Date: 2026-02-17 Domain: IC Loans
Priority Ranking¶
One confirmed job with deep context from Palm Internal (Uber portfolio) and ON. Six emerging signals paint a picture of a complete IC loan lifecycle product.
Top Priority (Confirmed — not started)¶
1. Track intercompany loan positions and interest across multiple entities - Sources: Palm Internal (Uber example: 60+ loan portfolio), ON (Confirmed) - Current status: Not solved — users track in Excel/Google Sheets - Why it matters: Palm Internal: "This is where things started getting really manual and tricky... I was updating every month." ON has daily accrual (1.25% between entities, paid quarterly). Manual tracking doesn't scale past a handful of loans.
Emerging — Needs Validation¶
These signals sketch out a full IC loan lifecycle. If the core tracking job validates, these become the natural expansion.
| # | Potential Job | Source | Key Question |
|---|---|---|---|
| 2 | Forecast quarterly IC interest payments | ON | How many customers have quarterly IC interest? |
| 3 | View historical IC balance positions as of any date | ON | Audit need or operational need? |
| 4 | Manage IC loan lifecycle (issuance → amendments → repayments → closure) | Palm Internal | How complex is the MVP? |
| 5 | Provide accounting teams with accurate IC loan data for booking | Palm Internal | Integration with accounting systems needed? |
| 6 | Optimize cash repatriation through IC loan repayments | Palm Internal | Strategic value but complex |
| 7 | Clear cash pool balances efficiently | Palm Internal | Tax compliance driver — how urgent? |
| 8 | See IC positions at entity-level while understanding global net-zero | Palm Internal | UX challenge: entity vs global views |
The IC Loan Lifecycle¶
The emerging signals reveal a full lifecycle that treasurers manage manually:
Issuance → Rate Setting → Interest Accrual → Quarterly Settlement →
Amendment/Rollover → Repayment → Closure
Each stage has manual touchpoints today. The 60+ loan portfolio from the Uber example shows this doesn't scale.
Next Steps¶
- Validate IC loan tracking demand — beyond Palm Internal and ON, who else needs this?
- Define MVP scope — basic position tracking + interest calculation vs full lifecycle
- Clarify relationship with IC Activity — loans are created when cash pool positions persist. The two domains are tightly linked.