Hello there, amy. I'm here to shed some light on recording personal and business loans in QuickBooks Desktop. 

When you record a business loan in QuickBooks, you need to select a liability account for it. In case you already have one, you can move on to the next step.

If you don't have a liability account for your loan, here's how you can create:

1. Go to the Lists menu, then select Chart of Accounts.
2. Right-click anywhere, then select New.
3. Select Other Account Types, then select the correct account type for your loan. Use the Other Current Liability for short-term loans payable over one year. Then, use the Long Term Liability for long-term loans payable over a long period.
4. Select Continue, then enter the name and number of the account.
5. Hit Save & Close.

The next step involves creating a new vendor for the bank or company you owe the loan. Here's how to do it:

1. Click the Vendors menu, then select Vendor Center.
2. Select New Vendor and enter the bank name or the company you need to pay for the loan.
3. Press OK.

Then, create an expense account to track interest payments or charges.

1. Hover over to the Lists menu, then select Chart of Accounts.
2. Right-click anywhere, then select New.
3. Choose Expense, then Continue.
4. Enter the account name for the interest payments or charges. 
5. Hit Save & Close.

Now that you have a liability account for the loan, you can record the loan amount by following Step 4 in this article: Manually track loans in QuickBooks Desktop. 

Regarding personal loans, we can use the bank deposit feature. However, I'd still recommend consulting your accountant to determine which accounts are affected and whether it's necessary to include them in the books to keep track of the balance and payments. You can find an accountant in QuickBooks if you don't have one.

To keep track of your loans and be reminded about upcoming payments, you can visit this article: QuickBooks Loan Manager.

For future reference, you can run a report to get an overview of your business' finances.

You can revisit this thread whenever you require information and assistance regarding personal and business loans. I'm here to help you out.