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LOANS PAYABLE — PAYMENTS & MONITORING — PER LENDER
BudgetSheetsPH ₱
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One card per lender / borrowing • Philippine Peso (₱)
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1. 100 READY BORROWING TABS — LP-001 to LP-100
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100 pre-formatted loan tabs are ready to use. For each new borrowing, open the next unused LP tab and fill in the terms — nothing else to set up.
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Keep the tab names as they are (LP-001, LP-002, ...) — the Summary is pre-wired to them. Put the lender's name INSIDE the card; it shows on the Summary automatically.
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 Need more than 100? Duplicate the grey 'Loan Card — Template' tab and add its name in the Summary's column A.
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 Each loan tab has a green button at the top to jump back to the Summary; on the Summary, click any tab name to open that loan.
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Formula cells are LOCKED against accidental edits — only the pale-yellow inputs, the Manual Payment/Principal columns, the log, and reference-number cells are editable. To unlock a sheet on purpose: Excel → Review ▸ Unprotect Sheet (no password); Google Sheets → Data ▸ Protect sheets and ranges.
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2. ENTER THE LOAN TERMS (pale-yellow cells)
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Contract Date = the day you RECEIVED the loan proceeds; it appears as Period 0 in both schedules. First Due Date = when your payment no. 1 falls due to the lender.
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Rate Basis: 'Per month' means the rate is charged monthly (2.5% = 2.5% each month). 'Whole term' means the rate covers the entire loan (30% total, spread over the term).
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Interest Method (7 choices — hover over the Interest Method cell for this guide as a popup note): Add-on (flat) = interest on original principal, equal payments. Declining (equal payment) = bank-style annuity. Declining (equal principal) = payments decrease. Rule of 78 = equal payments, interest front-loaded. Interest-only + balloon = principal due at the end. Single payment at maturity = everything in one final payment. No interest = principal only.
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Dates are always read as MONTH-DAY-YEAR (PH style): 7-16-26, 07/16/2026, 7.16.26 — in Excel AND Google Sheets, in any language/locale setting (yyyy-mm-dd also accepted). A date cell only turns red if it truly cannot be read.
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3. UPFRONT CHARGES & DASHBOARD
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Fees & Charges and DST/Taxes (left block of each card) are the upfront costs when proceeds are received — they appear as a Period-0 line in the Recommended Cash Disbursements Entries.
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The 'Dashboard' tab shows what is due today, tomorrow, in 2–7 days and 8–30 days, a red watchlist of late payments to settle now, and the current portion of loans payable (principal due within 12 months) — the classic current-vs-non-current split for your Balance Sheet.
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3. AUTOMATIC vs MANUAL (side by side)
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 Schedule Mode 'Automatic': the left table computes everything; the right (Manual) table is greyed out.
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Schedule Mode 'Manual': the right table activates — No., Due Date and balances stay automatic; you type only Payment and Principal per period. The left table greys out.
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 The monitoring cards and per-period status always follow whichever table is active.
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4. PORTFOLIO SUMMARY
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 The 'Loan Summary' tab lists every borrowing with totals, next due dates and color-coded status.
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All 100 LR tabs are pre-listed — the moment you fill a loan tab's terms, its Summary row and the portfolio totals appear automatically. Nothing to type on the Summary.
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 If a name is mistyped, the row shows '⚠ tab not found' in red.
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5. RECORD PAYMENTS
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 Log every payment made to the lender in the PAYMENTS LOG (far right): date, check/reference number, amount, charges.
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Each period's status updates instantly: PAID / PARTIAL / OVERDUE / UPCOMING (Period 0 shows RECEIVED — the day the proceeds arrived).
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Below the schedules, a 'Recommended Cash Disbursements Entries' table drafts the exact journal line for every payment date (following the active schedule) — copy it into the accounting system's Cash Disbursements journal when you pay.
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