Lenders, accounts and multiple loans
Keep one borrower while separating independent agreements, legal lender ownership and the accounts used for cash.
Silent illustrated explainer with on-screen instructions and English captions. Fictional examples; not a recording of saved transactions. Reviewed 10 November 2026.
Step-by-step guide
Step 1 of 5
Keep one borrower record
Find the existing borrower and open their notebook. Add independent loans under that borrower rather than duplicating the person for each lender or advance.
Financial actions require enabled owner pilot access. Follow the complete review before saving.
Full transcript & chapters
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Find the existing borrower and open their notebook. Add independent loans under that borrower rather than duplicating the person for each lender or advance.
Husband, Wife, HUF and Company can be separate legal lenders. Husband’s Axis and HDFC accounts can both belong to Husband. The bank account nickname does not change the loan owner.
Use Add Loan for another independent agreement. Use Further Advance for an extra tranche under an existing agreement. Check the lender, currency, tranche rate and effective date.
Source and receiving accounts must match the loan’s lender and currency. Ordinary cross-lender cash and credit allocations are blocked. One compatible receipt can cover several same-lender loans with reviewed splits.
Use View lender and inspect each currency separately. Unapplied credit stays with the receiving lender. Download the borrower statement for the same date and filter to reconcile the sections.