Business Debt Schedule Template
Build your debt schedule and export it for your loan application
Every commercial loan application requires a debt schedule — a complete list of all existing business obligations. Lenders use it to calculate your current debt service and assess capacity for new debt. Build yours here, see your total annual debt service instantly (which feeds directly into your DSCR), and export to CSV.
- ✓Add/remove rows for each existing debt
- ✓Auto-calculates total annual debt service
- ✓Export to CSV — attach directly to your loan application
Business Debt Schedule
List all existing business debts — lenders require this with every loan package
| Creditor / Lender | Type | Balance | Mo. Payment | Rate % | Maturity | Collateral | |
|---|---|---|---|---|---|---|---|
| Totals | — | — | Annual | — | |||
Your data stays in this browser — nothing is sent or saved.
Frequently Asked Questions
What debts should I include in a business debt schedule?
Include all business loans and lines of credit, equipment financing and capital leases, SBA loans, any mortgages on business-owned real estate, and business credit cards with outstanding balances. Don't include personal debts unless they're personally guaranteed by the business.
How is total debt service calculated?
Total annual debt service is the sum of all monthly P&I (principal and interest) payments multiplied by 12. This is the denominator in your DSCR calculation.
Do I include my line of credit in the debt schedule?
Yes — include the current outstanding balance and the minimum monthly payment. If the line is currently at zero balance, you can note it but the debt service impact is zero.