Some of your terminology is confusing.
Your first question is easy to answer. A loan account is just a liability account. Set one up according to this Guide: Add an account | Manager. You can post multiple loans to one account. But for individual loan visibility, special accounts will let you separate what is owed to specific lenders. See Use special accounts | Manager.
This is the first place it is not clear what you are doing. You could be referring to things your family members have purchased on behalf of the business to help you get established. Or you could mean these family members are obtaining goods from the store but, rather than paying for them, they have agreed to a reduction in the balance of what is owed to them. Is that correct? Please confirm the concept. All my following comments assume the second alternative.
This was a mistake. Cash on hand is a control account, under which cash accounts are reported. Cash accounts are for physical repositories of money—bills and coins. They have nothing to do with liabilities or obligations. Delete any transactions you tried to enter this way. When all are deleted, delete the cash accounts you set up to represent the loans.
Why? Sales invoices represent sales made on credit to defined customers who will pay later. I doubt you are making sales on credit from your store. And you certainly are not doing this with the family lenders. So you would normally just be using receipts to record sales.
You do not receive purchases in Manager. Receipts are where you record money coming into the business. They record direct cash sales or payments against sales invoices.
This may actually have been a nearly correct solution. You have two basic options for what I believe you are trying to accomplish:
- Set up ordinary liability accounts for each family member who loans money. These will show up on your balance sheet until the loans are discharged, when you can make them inactive.
- Or they could be special accounts under a control account. (It sounds like that is what you tried.)
Either way, when a family member takes something from your store, enter a receipt, listing everything they have taken. This will remove items from inventory and properly credit the Inventory - sales account for the sale. It will also be where you select legally required tax codes. (The authorities will not relieve you of the requirement to assess and remit taxes because the buyer happens to be an investor in your business.) Then, add another line item posted to the loan or special account, but make the unit price equal to the amount you are offsetting. Make that unit price negative. Since the line item amounts on receipts are normally credits, making this line negative will turn it into a debit, reducing the amount owed. If you offset the full amount of the receipt, including tax, the receipt will show a zero balance received. (You will, however, still need to select a cash or bank account to avoid sending the receipt to the Suspense account.)
This concept is illustrated in the final example in this Guide: Use special accounts | Manager. There, the example is a store credit card, but the concept is identical.
Now let’s return to the other alternative, where family members actually buy goods or equipment for the business. In that case, use expense claims. See Use expense claims | Manager.
And finally, if these family members are really investors and participants in the business, you can set them up as capital account members. That opens another complete discussion.