Very basic in the development process, but would hate to have to switch horses in the middle of the river-

A small company that sells and installs commercial CCTV systems saved me financially when a "captive funder" with which i was contracting for over 20 years shut down lending. They CCTV company has me operating as their "Finance Manager". In gratitude i am developing a system for them to keep track of their business as presently they have multiple spreadsheets for what they do track, and basically scribble notes for everything else (this is why i jumped back into Access after a 12 year hiatus).

Lately and with my guidance they will finance a system for certain trusted customers, usually when outside sources are too bone-headed to take the paper (i've been doing this for, ohhhhh, 45 years or so - btw, FICO is a lie).

Though i believe i have the major construct of customer, equipment and order management down, i am now working on the cash flow of those larger installation jobs that they will internally finance.

I have three models in my head - one where all line items billed or received go on a table created for a specific job generated at the point of when the finance agreement goes into play (these are almost always 60 month agreements), another model where we work with one table for all cash flows in or out that could easily be filtered on [AgreementNumber], [TransactionDate], [DebitCredit], etc., or a last model (for now) - a hybrid of the second model where one table is used for all accounts but is only for Debits, and another table for all accounts is used for only credits. (By "accounts" i am referring to a customer specific job. These are generally between $7,000 to $25,000 in selling price).

Anyone out there have direct experience with this that might provide benefits/drawbacks of each method, or propose something different?

My wife will kill me if she found out about this - she was the controller at a good sized funder that i was involved with for many years, but i fear repercussions if she gives me advice and i choose not to go with it...

THANK YOU!!!!!