Can someone refer me to an Excel template for a compounding interest loan.
This is actually for a credit line rather than a pure loan, and I have some
specific requirements:

1) I need to be able to specify the compounding period as either monthly or
quarterly, in order to be able to quickly estimate the effects on interest
payments in the future if the loan gets behind on payments. If I could
specify the parameters of the loan and then have the tool create the actual
schedule working loan template that would be fine.

2) I need to be able to specify the amount of payment each month, which can
be either less or more than the amount due that month.

3) I need to be able to specify how much of each monthly payment is for
accumulated interest and how much is for return of capital.

4) I need to be able to add additional amounts to the loan over time
(because it is a credit line).

I am willing to pay money for this. Please let me know what my options
are.

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W