Business Debt Schedule Template



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It’s important for the efficiency of your business to understand your income as well as your outgoing expenses. Since debt is typically paid back over time, having a debt schedule template to organize what bills need to be paid and when can go a long way in decreasing debt, improving profit, and making your day less stressful.


Everyone Needs A Schedule Of Debt

Avoid the stress of worrying about your long-term debts by creating and maintaining a simple debt schedule that takes the guesswork out of the equation. You’ll be able to make informed decisions for business growth, daily improvements, and payment strategies.

Using a template is a great way to get started and understand the details of each debt. Some  common types of debt that most small businesses carry include:

  • Loans and leases
  • Mortgage
  • Miscellaneous payments
  • Supplier payments


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What Is A Business Debt Schedule?

Just like it sounds, it’s a schedule of debt that clearly defines who is owed, how much is owed, and when the debts need to be paid. Typically regular expenses such as short-term accounts payable are not included in a debt schedule.


Gain An Instant, 360-Degree Overview

As a business owner or CFO, it’s important for you to be able to quickly assess your company’s current expenditures and profits for decision-making.

Having a list available for when you need a new line of credit, to repay current lenders, negotiate with a creditor, or find out how much interest you’re paying is extremely valuable in saving you time.



Benefits Of A Debt Schedule

Business Debt Schedule Template

Organization is the leading benefit of having a debt schedule, and saving valuable time throughout the day is a benefit of using a business debt schedule form. Additionally, having a debt schedule will help you analyze your cash flow by connecting your income statement, balance sheet, and cash flow statement.

Having a schedule can ensure you:

  • Never miss a payment

Time moves quickly; don’t risk missing a payment and potentially harming your credit.

  • Always know your debt

Easily set sales goals and make predictions when you can easily access your monthly debt with a business debt schedule.

  • Can easily monitor your business financial health

Gain a better understanding of where to direct your financial debt.

  • Know if you can take on more debt

Improve your business, reach your goals, and ensure your income statement can support a new line of credit or small business loan.

  • Provide accurate information to potential lenders

Having a debt schedule readily available for a new lender could prove invaluable. Lenders will often ask for such information in addition to a balance sheet; having one already created will save you time and money in the future.



How To Make A Business Debt Schedule (Template Below)

There’s no reason to choose expensive software or scheduling applications to create a debt schedule template. Microsoft Excel or a similar program like Google Sheets will work just fine and give you the added benefit of storing your schedule in the cloud.

Take care when you’re creating your formulas correctly to prevent calculation errors from creeping in. You can also use an online debt repayment calculator for help.

Some details a schedule of debt should include are:

  • Creditor name
  • Date debt is due
  • Interest rate
  • Original debt amount
  • Current balance
  • Monthly payment
  • Maturity date
  • Collateral
  • Miscellaneous notes


Downloadable Business Debt Schedule Form

Creating your own schedule will give you the flexibility and customization you may need for your business. However, to save time, our easy to use debt schedule includes:

  • Line items
  • Formulas
  • Easy to follow instructions


Download the Debt Schedule Template


Using The Debt Schedule Template

  1. Replace the sample name, address, phone number, etc., with your own information
  2. At the bottom of the spreadsheet, you’ll see a tab called “MONTH ONE” rename this to the current month
  3. Fill in the information for your creditors, dates, loan amounts, interest expense, etc., until the form is filled out with your company’s information
  4. Copy the tabs for subsequent months until the end of the year. Each year you can recreate the spreadsheet for easy organization

Ensure your financial documents are readily available with the information you require at a moment’s notice when you use Credibly’s easy-to-understand, customizable debt schedule template.


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Plan for the future with Credibly.

We recognize the unique financial needs of your business. Although we don’t provide mezzanine financing, we’re equipped to help you assess if this is the right path for you.

Our commitment is to understand your business’s potential beyond just the numbers. We’re here to offer insights and guidance—not just financing.
If you’re considering your next financial move and wondering if mezzanine financing fits your growth strategy, let’s discuss your options.

With experience supporting over 30,000 businesses, we’re prepared to help you make an informed decision.

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