Recording a Policy Loan

After Recording

Once recorded, the loan will appear in:

• Policy Workspace — under Loans with its current balance and event history
• Dashboard — in Net Cash Value, Loan Balance, and Banking History
• Banking Ledger — as a Loan draw capital event in the system-wide and policy-scoped ledgers

Characterizing Additional Draws

For IBLOCs, and on policy-loan timelines where Record draw is available, Policy Stack can record what the draw was for:

• Choose Deployed into an asset and select the recorded asset the draw funded
• Choose Personal use, select a purpose category, and optionally add a note

A directly recorded draw changes the tracked loan balance once and creates a Loan Disbursement row in the Banking Ledger. If the characterization later needs correction, open that row's actions menu and choose Edit characterization. Changing the characterization does not change the draw amount or loan balance.

The Loan History Table

The Loans tab keeps the loan timeline, draw history, and recorded repayments together. The policy-scoped Ledger tab provides the corresponding event trail without leaving the workspace.

Updating the Loan Balance

Your loan balance changes over time due to capitalized interest and any loan repayments you make. To keep your records current:

Logging a Repayment

When you make a loan repayment, two paths are available:

• Log repayment (in the Quick Actions menu, labelled Record in the updated navigation) — choose the policy by nickname, review the loan and draw balances, then use the default assignment to the specific draw you're paying, override it once with First in, first out (FIFO) or Equal reduction, or enter exact dollars by draw. See Logging a Loan Repayment.
• IBLOC repayment — open the IBLOC detail page and use Record repayment to maintain that facility's balance. For policy-loan payments, use the policy-level Log repayment flow so active draws and allocation are visible.

Both paths feed the same Banking Ledger and update your tracked loan balance.

Fully Repaid Loans

When a tracked policy loan reaches a zero balance, its policy row on the Loans page simply shows $0 with the full repayment trail preserved in the row's statement view. There is no separate archive — a repaid loan is a $0 balance with history, and the row keeps showing the policy's Net Cash Value, ready for the next draw. It no longer appears as an active dashboard loan or counts in active liability summaries.

Linking a Deployment

If you deployed the borrowed capital into an external opportunity, you can link the deployment to this loan. This allows Policy Stack to calculate the spread between your deployment return and the loan rate.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.