Financing fields

Every field on bluprnts financing — loan or investment, amount, interest rate, repayment type, schedule and dates — and how each one moves cash.

Reference for every field on a financing entry. For the walkthrough, see Add financing.

Fields#

Field	What it is
Name	What the facility is
Type	Loan or Investment
Loan amount	The principal drawn, or the amount invested
Interest rate	Annual rate. Loans only
Payment type	Repayment or Interest-only. Loans only
Payment schedule	How often repayments are made
Start date / End date	Drawdown and maturity. Pinned to month end
Summary	An optional description
Colour	Accent colour on charts and timelines

Loan vs investment#

	Loan	Investment
Repaid	Yes	No
Carries interest	Yes	No
Sits in	Liabilities	Equity
On the cash flow	Borrowings drawn, borrowings repaid, interest paid	Share capital introduced

Equity never repays, which is why it sits in equity rather than in liabilities.

Repayment vs interest-only#

Repayment — the loan is amortised, so each payment covers interest and part of the principal.
Interest-only — you pay interest throughout and the whole principal falls due as a balloon at maturity.

Interest-only is the option that catches people out in a forecast: the cash looks comfortable for years and then a single month has to absorb the entire principal. Check the bank balance at your loan's end date.

What lands where#

Only the interest touches the profit and loss. Capital repayments move cash without appearing on the profit and loss at all, which is one of the standard reasons a profitable month drains the bank.

Add financing — the walkthrough.
Interest rates — the rates on cash and overdraft.
Balance sheet — where loans and equity land.