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Glossary · Reading the business

Business debt schedule

In short

A detailed list of all existing loans and liabilities owed by the business. This helps you and the lender understand the total debt burden you're taking on or refinancing.

What it means in a deal

Your lender will require a comprehensive business debt schedule as part of due diligence. This schedule details the original loan amounts, current balances, interest rates, payment terms, and collateral for each existing debt. Ensure it aligns with bank statements and tax returns to catch any discrepancies.

Official sources

SOP 50 10 — Lender and Development Company Loan Programs

U.S. Small Business Administration · SBA Standard Operating Procedure

Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.

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Common questions about Business debt schedule

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Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.

Pressure-test the numbers before you make an offer

Send us the asking price and the seller's cash flow — we'll show whether the deal services SBA debt and where the add-backs are likely to hold up.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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