{"id":14345,"date":"2020-06-29T15:47:09","date_gmt":"2020-06-29T12:47:09","guid":{"rendered":"https:\/\/www.become.co\/blog\/?p=14345"},"modified":"2026-11-01T09:23:13","modified_gmt":"2026-11-01T07:23:13","slug":"what-is-business-debt-schedule","status":"publish","type":"post","link":"https:\/\/www.become.co\/blog\/what-is-business-debt-schedule\/","title":{"rendered":"What Is a Business Debt Schedule?"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">A business debt schedule is a list or table that includes a detailed account of all of your business\u2019s current debts. It sounds like a simple enough thing to do, but making a debt schedule is actually one of the most important steps you can take to successfully manage your business\u2019s finances.<\/span><\/p>\n<p><span style=\"font-weight: 400\">When you consider the fact that roughly <a href=\"https:\/\/www.fedsmallbusiness.org\/medialibrary\/fedsmallbusiness\/files\/2019\/sbcs-employer-firms-report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">70%<\/a> of small employer firms have outstanding debt, it becomes even clearer how critical it is to be on top of your debt obligations.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Not sure how to make a business debt schedule? Are you uncertain of what to include in it? Keep reading to discover everything you need to know about making and using a debt schedule!<\/span><\/p>\n\n<h2><span style=\"font-weight: 400\">What should a business debt schedule include?<\/span><\/h2>\n<p><span style=\"font-weight: 400\">A business debt schedule should include all of your business\u2019s current debt obligations. It will serve as a tool to quickly understand the details of your debts. Your debt schedule may include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/www.become.co\/business-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400\">Business loans<\/span><\/a><span style=\"font-weight: 400\"> (through banks or alternative lenders)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Lines of credit<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Leases (of business equipment, commercial vehicles, etc.)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contracts (with suppliers, for example)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Other miscellaneous expenses<\/span><\/li>\n<\/ul>\n\n<p><span style=\"font-weight: 400\">Although \u2018all\u2019 of your business\u2019s debts should be listed in your debt schedule, typically the list will exclude normal expenses such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Accounts payable\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rent<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Utilities<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Insurance<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Payroll<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Taxes<br \/><br \/><\/span><\/li>\n<\/ul>\n<blockquote>\n<p><strong>Note:<\/strong> Speaking of payroll, the federal programs that once covered payroll shortfalls have closed. The Paycheck Protection Program stopped accepting applications in May 2021, and COVID-19 EIDL, including the advance grant that did not have to be repaid, closed to new applications at the end of that year. If payroll is the pressure point now, a <a href=\"https:\/\/www.become.co\/business-loans\/\">line of credit or working capital loan<\/a> is the usual route.<\/p>\n\n<\/blockquote>\n<p><span style=\"font-weight: 400\">The reason those sorts of expenses are usually left out of a business debt schedule is that things like rent and utilities are basic necessities that you will normally not have much wiggle room to negotiate over.<\/span><\/p>\n<p><span style=\"font-weight: 400\">On the other hand, listing other \u2018periodic\u2019 payables (like those listed above) on your business debt schedule will give you a useful resource where you can find relevant information if you ever choose to negotiate better terms with your creditors or lenders, decide where you should pay debts first, or even choose whether or not to take on more debt. Each debt that you list on your debt schedule should include information such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Creditor \/ Lender<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Current balance<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Principal amount<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Monthly payment<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Due date<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Interest rate<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maturity date<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Collateral<\/span><\/li>\n<\/ul>\n\n<blockquote>\n<p style=\"text-align: center\">Click the link below to see an example of what your business debt schedule table should look like.<\/p>\n<p style=\"text-align: center\"><strong>Fill it in and start keeping track of your business&#8217;s debts!<\/strong><\/p>\n<\/blockquote>\n\n<p style=\"text-align: center\"><span style=\"font-weight: 400\"><strong><a class=\"btn btn-lg btn-success\" href=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/06\/Business-Debt-Schedule-Final_Become.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Schedule Template<\/a><\/strong><\/span><\/p>\n\n<p><span style=\"font-weight: 400\">Now that you know what a business debt schedule is and what you should (and shouldn\u2019t) include on it, you may be wondering just what exactly a debt schedule is useful for. We discuss that next.<\/span><\/p>\n\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13562\" src=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-scaled.jpg\" alt=\"\" width=\"1024\" height=\"565\" srcset=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-scaled.jpg 1024w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-300x165.jpg 300w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-1200x662.jpg 1200w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-768x424.jpg 768w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-1536x847.jpg 1536w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-2048x1129.jpg 2048w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2020\/05\/GettyImages-875247422-min-490x270.jpg 490w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n\n<h2><span style=\"font-weight: 400\">What is a business debt schedule used for?<\/span><\/h2>\n<p><span style=\"font-weight: 400\">A business debt schedule is useful not only for giving you a clear and organized visualization of your debts, but also for making it easier to review your expenses and make the necessary calculations to keep your budget balanced.<\/span><\/p>\n<p><b>Here are a few specific examples of what a business debt schedule can be used for:<\/b><\/p>\n\n<p><b>1. Track your business\u2019s financial stability &#8211;<\/b><span style=\"font-weight: 400\"> your priorities can shift and change over time, and a debt schedule will help you see which debts need to be paid now and which can be put off for a bit.<\/span><\/p>\n<blockquote>\n<p><b>Note: <\/b><span style=\"font-weight: 400\">You\u2019ll also find a business debt schedule useful when calculating your <\/span><a href=\"https:\/\/www.become.co\/blog\/permanent-working-capital\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400\">permanent working capital<\/span><\/a><span style=\"font-weight: 400\"> (i.e. the minimum amount of working capital that is needed for a business to cover all current liabilities and also continue operating).<\/span><\/p>\n<\/blockquote>\n<p><b>2. Generate accurate forecasts &#8211;<\/b><span style=\"font-weight: 400\"> by using a debt schedule to track your month-to-month expenses, you\u2019ll be able to more accurately determine what your sales goals should be and, from there, forecast your sales and debts for the future.<\/span><\/p>\n\n<p><b>3. Avoid missing your payments &#8211;<\/b><span style=\"font-weight: 400\"> one of the most fundamental ways that a business debt schedule can be used is to give yourself a reminder of when your payments are due. Simple as it is, that one function can help you reduce the risk of missing a payment and damaging your credit.<\/span><\/p>\n<blockquote>\n<p><b>Note:<\/b><span style=\"font-weight: 400\"> Strengthen your credit score even more by learning about <\/span><a href=\"https:\/\/www.become.co\/blog\/the-5-cs-of-credit\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400\">the Five Cs of Credit<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n<\/blockquote>\n<p><b>4. Decide if you can afford new debt &#8211;<\/b><span style=\"font-weight: 400\"> a debt schedule comes in handy when you want to measure your <\/span><a href=\"https:\/\/www.become.co\/blog\/what-is-debt-service-coverage-ratio-dscr\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400\">debt service coverage ratio<\/span><\/a><span style=\"font-weight: 400\"> (DSCR), which your business should be using in order to determine how much money you can afford to use to pay off debts.<\/span><\/p>\n\n<p><b>5. Provide new lenders key information &#8211;<\/b><span style=\"font-weight: 400\"> if and when you do decide to take on new debt, your new lender will ask for specific information that they\u2019ll use to determine your fundability. A business debt schedule will serve as a key source for that information and will also show the new lender that you\u2019re serious about tracking your business\u2019s financial health and stability.<\/span><\/p>\n\n<h2><span style=\"font-weight: 400\">Get started today<\/span><\/h2>\n<p><span style=\"font-weight: 400\">If you haven\u2019t been keeping a business debt schedule, now is the time to begin. Keeping a debt schedule is a fairly easy step to take which will help you and your business in a variety of ways &#8211; all of which can make it easier to maintain your business\u2019s financial health. Be sure to scroll back up and download our business debt schedule example which you are free to use!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A business debt schedule should include all of your business\u2019s current debt obligations. It will serve as a tool to quickly understand the details of your debts.<\/p>\n","protected":false},"author":35,"featured_media":14351,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[79],"tags":[421,168],"class_list":["post-14345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-guides","tag-budget","tag-debt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is a Business Debt Schedule? - Business Funding Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.become.co\/blog\/what-is-business-debt-schedule\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Business Debt Schedule? - Business Funding Blog\" \/>\n<meta property=\"og:description\" content=\"A business debt schedule should include all of your business\u2019s current debt obligations. 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