> For the complete documentation index, see [llms.txt](https://docs.rubica.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rubica.au/lending/lending/loan-statements-and-the-loan-book.md).

# Loan Statements & the Loan Book

How monthly commission statement uploads update loan balances, the household loan book and its month-by-month history.

Settled loans are **financial accounts** on the household (type *Liability*, with a loan number). The monthly commission statement keeps their balances current.

### 📍 Where to Access

Go to **Lending** and click **Upload statement**.

### 🔁 What an upload changes

1. **Each loan on the statement** gets its latest **balance** and **last statement date**. Loans the statement can't match to a household wait in **Mapping** until someone matches them.
2. **A monthly balance record** is saved for each loan: one per loan per statement month. Re-uploading the same month replaces it instead of adding a second.
3. **The household's Loan Book and Active Loans** recalculate (see [Household Lending Details](/lending/lending/household-lending-details.md)).
4. **The Dashboard's loan book under management** shows the new total.

### 📈 Month-by-month history

The monthly balance records are what let the loan book show real history: growth, run-off and each loan's balance over time. They build up from the first upload after this feature went live. Before that, past months on the Dashboard are estimated from settlement dates at today's balances.

{% hint style="warning" %}
Commission revenue rows from a re-uploaded statement are not removed automatically. Upload each statement once, or check the Revenue figures afterwards.
{% endhint %}