Get Debt Schedule

What is a Debt Schedule? A debt schedule lays out all of the debt a business has in a schedule based on its maturity. It is typically used by businesses to construct a cash flow analysis.

A Debt Schedule is used to keep track of all outstanding debt balances and related payments, namely mandatory principal amortization and interest expense.

Consumer debt consists of personal debts that are owed as a result of purchasing goods that are used for individual or household consumption. Credit card debt, student loans, auto loans, mortgages, and payday loans are all examples of consumer debt.

When you begin to make a debt schedule, list out all the relevant details of the debt, including: Creditor or lender name. Origination date of the debt. Original debt amount. Current balance. Interest rate. Monthly payment. Security or collateral pledged. Maturity date.

Debtor Schedule: It details which customer is due in which period and when the collection has to be made, etc. Basically a debtor schedule is a checking mechanism that is helpful in balancing the total of the debtor balance as per the debtors' control ledger and the individual debtor accounts.

In most 3-statement models, you keep the Debt Schedule simple by combining the Debt issuances into a single line and using a weighted-average interest rate. Most companies aim to keep their Cash and Debt in similar ranges over time, and these models reflect that.

Components of a Debt Schedule in a Financial Model Opening balance (beginning of the period) Repayments (decreases) Draws (increases) Interest expense. Closing balance (end of the period)

What is a debt schedule? Simply put, a debt schedule details out all the debt a business has outstanding or available. It supplements the financials because it includes items that might not be on the Balance Sheet but, nonetheless, are valid debts that a bank would like to be aware of.