Borrower and loan tracking

Open the borrower before opening a spreadsheet

Start with the person or business that owes the money. From that record, open their agreements, dated transactions and balances. Each agreement has its own lender, terms and history.

When you lend again, record a new agreement if the new amount has separate terms. If the existing agreement permits another draw, record a further advance against that agreement and retain the original history.

Read the balance as of a specific date

Review outstanding principal, interest building up, interest due, capitalised interest, amounts paid and any credit held for the borrower. When capitalised interest is included in outstanding principal, count it once in the balance.

Use the date and currency controls to review the same scope across the borrower view and statements.

Review selected loans as a group in the owner pilot

Approved owner pilots can group selected loans for related borrowers, such as family members or companies under common ownership. Existing loans can be assigned later from an effective date. The group view reports the selected loans by currency and lender scope. Each agreement retains its own ledger and repayment history.