
        PCLOAN5, a loan and mortgage amortization application. This
        program has been rated by COMPUTERS IN ACCOUNTING magazine as
        "...the best example of the hundreds of financial programs."

        PCLOAN5 now responds to the Microsoft Mouse.

        This program is useful to:

            Anyone who borrows or lends money.

            Individuals with auto, household, or real estate debt.
            Companies or business with debt repayable in periodic
            payments.
            Banks, S&Ls, Credit Unions, Small Loan Companies.
            Retailers who sell on credit.
            Auto, boat, other vehicle dealers.
            Farm & construction equipment dealers.
            Employers who lend to their employees.
            Real estate management companies.
            Real estate investors.
            Real estate brokers.
            CPAs, attorneys, financial analysists, financial planners.
            Loan brokers.


    The program features a thouroughly modern user interface with
    pull down menus and context sensitive pop up help sreens.

    The program computes payment amounts, interest rates, number of
    payments,  amount of loan for any type loan, including the
    Canadian semi-annual compounded monthly payment mortgages.

    It computes interest on a periodic basis, or actual day basis
    with either a 360 or 365 day year and reports Fiscal year end
    total interest and principal paid.

    It is an amortization schedule, but allows complete
    flexability. Any amount can be paid on interest, principal or
    both on any date. The rate can be changed on any date, even
    between payment dates. It allows interest only and computes
    balloon payments. Any payment can be skipped. Any known
    variation of mortgage reduction strategy can be added to any
    schedule beginning and ending at any date.

    All schedules are stored on disk and can be recalled, modified,
    and recomputed at any time.

    The built in financial calculator incudes a Reg Z APR
    calculator that has been checked and found to agree to the
    sixth decimal place with the standard used by federal
    regulators.

