Xero + CapitalBridge
Pull borrower financial data from Xero into CapitalBridge automatically. Xero's API-first architecture makes it one of the fastest integrations to set up. Popular with borrowers across Africa and APAC, where Xero has strong adoption among growing companies.
How the Xero connection works
Connect the Xero account
The borrower authorizes CapitalBridge via OAuth 2.0 with read-only access to their Xero organization. This takes about 2 minutes. No software installation required. For borrowers with multiple Xero organizations, each can be connected separately.
Configure data mapping
Xero accounts and tracking categories are mapped to your CapitalBridge compliance templates and covenant formulas. Proceptio handles the mapping, accounting for each borrower's chart of accounts structure.
Go live with daily sync
Financial data syncs daily from Xero. Profit and loss, balance sheet, and other reports populate compliance submissions and feed covenant calculations automatically. On-demand sync is available at any time for ad-hoc reporting needs.
What data syncs from Xero
| Data Entity | Frequency | Description |
|---|---|---|
| Profit & Loss | Daily | Revenue, expenses, and net profit by period and tracking category |
| Balance Sheet | Daily | Assets, liabilities, and equity as of sync date |
| Trial Balance | Daily | Account-level debit and credit balances |
| Journals | Daily | Manual and system journal entries |
| AR/AP Aging | On-demand | Receivables and payables by aging bucket |
| Bank Account Balances | On-demand | Current balances across connected bank accounts |
How funds use the Xero connector
Portfolio companies in Xero-dominant markets
Xero has strong adoption in South Africa, Kenya, Australia, New Zealand, and Southeast Asia. DFIs and private credit funds with borrowers in these regions often find that a significant portion of their portfolio already uses Xero. The integration eliminates manual data collection from these borrowers entirely.
Rapid onboarding for new borrowers
Xero's API-first design makes it the fastest ERP integration to set up. When a new borrower joins the portfolio and uses Xero, the integration can be live within a week. The borrower authorizes access, Proceptio maps the accounts, and data starts flowing into compliance submissions.
Borrowers transacting in multiple currencies
Xero supports multi-currency natively, which is common for borrowers in emerging markets who transact in local currency but report in USD or EUR. CapitalBridge syncs transactions in their original currency and handles conversion using the daily FX rate sync for consolidated fund reporting.
How does the Xero integration work?
Xero is cloud-native with a well-documented REST API. The borrower authorizes CapitalBridge via OAuth 2.0 with read-only access to their Xero organization. Financial data is then synced automatically on a daily schedule. No software installation required on the borrower's end.
How long does setup take?
Typically 1-2 weeks. Xero's API-first architecture makes it the fastest integration to configure. The bulk of setup time is spent on data mapping (matching Xero accounts to compliance templates) and testing, not on connectivity.
Does it support Xero tracking categories?
Yes. Xero tracking categories (used for department, region, or project-level reporting) are pulled alongside financial data. This allows CapitalBridge to generate compliance reports at the tracking category level if your templates require that granularity.
What about multi-currency transactions?
Transactions are synced in their original currency from Xero. CapitalBridge's daily FX sync converts values to the fund's reporting currency (typically USD) for consolidated compliance reporting. This works for all currencies Xero supports, including frontier market currencies like KES, ZAR, NGN, and IDR.
Can the borrower disconnect at any time?
Yes. The borrower can revoke CapitalBridge's access from their Xero account settings at any time. Previously synced data remains in CapitalBridge for audit purposes, but no new data will be pulled after disconnection.
See how it works with your portfolio structure
Book a 30-minute demo. We configure it with your actual portfolios, categories, and counterparties so you see exactly how CapitalBridge fits. No generic product tour. You talk to the team that built it.
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