Excel Loan Management Sheet

I need a single, well-structured Excel workbook that places all of my cash-loan activity in one place. The sheet’s core job is to let me register each loan, generate the full repayment schedule automatically, and keep totals up to date while tracking both personal and business income and expenses in the background. A small client profile section should sit beside each loan so I can store contact details and have the file produce a quick credit score based on repayment history.

Essential deliverables
• Loan tracking with auto-generated repayment schedules
• Flexible interest calculation tied to the rate and payment frequency I enter
• Client credit scoring drawn from punctuality and outstanding balance data
• Separate personal and business income/expense logs that roll into a cash-flow dashboard
• Easy search, filter, and print-ready reports

All formulas, pivot tables, Power Query steps, or light VBA scripting required to make this run in the latest desktop Excel are part of the scope; I should only need to type or paste data. Tell me how long you’ll need and share any finance-related templates you’ve built before so I can see your approach, especially for the interest and scoring modules.