Formulas Required

• PMT Function: Calculates monthly payment using =PMT(interest_rate/12, loan_term*12, -loan_amount) in the Loan Calculator sheet.
• Loan Amortization Table Formula: For each row in the Payment Schedule, use:
  • =Remaining Balance (from previous row) – Principal Payment
  • =Interest Rate per Period × Remaining Balance
  • =PMT(...) for total monthly payment.
• Inventory Value Total: =SUMPRODUCT(Inventory Master List[Current Stock Level], Inventory Master List[Purchase Price per Unit])
• Low Stock Alert Logic: =IF([Current Stock Level] <= [Minimum Threshold], "Low", "OK") with conditional formatting.
• Days Overdue Calculation: =IF(TODAY() > [Due Date], TODAY()-[Due Date], 0)

Conditional Formatting

• Low Stock Warning (Inventory Master List): Highlight cells in red if Current Stock Level ≤ Minimum Threshold.
• Overdue Payments (Loan Schedule): Apply red fill and bold text to rows where the Due Date is earlier than today’s date and payment has not been marked as “Paid”.
• Aging Status: Use color scales (green-yellow-red) for Remaining Balance to visualize how much of the loan remains unpaid over time.
• Dashboard KPIs: Green background if KPI is met (e.g., “On-Time Payments ≥ 90%”), red otherwise.

Instructions for the User

1. Set Up Your Data: Enter all inventory items into the "Inventory Master List" sheet using unique Item IDs.
2. Create or Link Loans: If an item was purchased with financing, reference its Loan ID in the Inventory Master List.
3. Use the Loan Calculator Sheet: Input loan details (amount, interest rate, term) to generate a payment schedule.
4. Pull Data Automatically: The "Loan Schedule & Payments" sheet will auto-populate using formulas from the Loan Calculator.
5. Update Status Regularly: Mark payments as “Paid” in the payment schedule and update stock levels after receipts or sales.
6. Review Dashboard: Use it weekly to track financial health, overdue items, and inventory turnover.

Example Rows (Sample Data)

In Inventory Master List

In Loan Schedule & Payments (Sample Row)

Recommended Charts & Dashboards

• Pie Chart (Inventory by Category): Visualize the distribution of inventory value across categories.
• Line Chart (Loan Balance Over Time): Show how principal balance decreases with each payment.
• Gantt-style Payment Timeline: Display upcoming due dates with color-coded statuses (On-Time, Past Due).
• Stock Level Alert Bar Chart: Highlight items below minimum threshold in red bars.

This Excel template combines rigorous Inventory Control, accurate Loan Calculator, and elegant Professional design—delivering a powerful tool for financial accountability and operational efficiency. It is compatible with Microsoft Excel 2016 or later and supports macro-free use (no VBA required) while maintaining full functionality.

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