- Automotive Business
- Balance Sheet
- Bank Financial Models
- Black-Scholes -
- Cash Burn Rates
- Cash Flow
- Comparable Comps Analysis
- Corporate Finance
- Cost Analysis
- Debt Schedule
- Discounted Cash Flow (DCF)
- Economic Value Added
- Excel Add-Ins
- Financial Markets
- Financial Projections -
- Hedge Fund
- Healthcare Financials
- Hotel Financial Models
- Income Statement
- Industry Specific Financial Models
- Investment Banking
- Inventory Management
- IPO (Initial Public Offering)
- IT (Information Technology) Business
- Leveraged Buyout (LBO)
- Mergers & Acquisitions (M&A)
- ModelOff Samples
- Monte Carlo Simulation
- Mining Financials
- Net Present Value (NPV)
- Options Pricing & Valuation
- Personal Finance
- Private Equity
- Real Estate Finance
- Renewable Energy Financials
- Restaurant Finance
- Return On Investment (ROI)
- Retail Finance
- Shipping Financials
- Scenario Analysis
- Sensitivity Analysis
- Stock Valuation
- Three Statement Financial Models
- Valuation Models
- Venture Capital
- Weighted Average Cost Of Capital (WACC)
- Wealth Management
- Cohort Analysis
- Design Thinking Process
- E-Commerce Financial Models
- Growth Hacking
- Lean Startup
- Lifetime Value (LTV)
- Raising Capital
- Software-as-a-Service (SaaS)
- Startup Boards
- Startup Business Plans
- Startup Cap Tables
- Startup Financial Models
- Startup Investors
- Startup KPI Dashboards
- Startup Lifestyle
- Startup Pitch Decks
- Startup Studios
- Startup Valuation
- Legal & HR
Debt Schedule models
What is a Debt Schedule?
A debt schedule is made to lay out the debt that a business has accrued based on its maturity. A debt schedule is commonly used by businesses to build a cash flow analysis. In the debt schedule, interest expense flows into the income statement.
The total of closing debt balances also flows into the balance sheet. The debt schedule is a supporting schedule, and it is one of the schedules that ties together the three financial statements.
Components of a Debt Schedule in a Financial Model
Most of the time, an analyst will have to build a supporting schedule that outlines interest and debt when they are building a financial model in Excel.
A debt schedule is made up of:
These components allow tracking of the debt until maturity. From the schedule, the closing balance flows back to the balance sheet, and the interest expense flows to the income statement.
Type of Debt is Listed in a Debt Schedule
All debt that is currently owed by a business must be included in the debt schedule. The types of debt included are:
Things to be Considered in the Construction of a Debt Schedule
Before deciding to go ahead and borrow money, it’s important that the company carefully considers whether or not it is able to repay debt, as well as evaluating the real cost of the debt. Companies need to consider the following factors:
- Debt maturity – The majority of debt is paid monthly and amortized. The longer the maturity of the debt is, the less amount of money is due monthly, but the higher the interest accrued and the total sum of the debt.
- Interest rate – Usually, the lower the interest rate is, the better. For a long-term debt, a low interest rate generally results in a higher interest than a short term debt with the high interest rate. It’s the investor that will need to calculate the total interest.
- Floating or fixed interest – The overall debt amount will be changed each year if there is a floating interest rate, whilst you will have a reliable calculation if there is a fixed interest rate. It depends on the future assumption, but generally a floating interest rate is the better option in a declining or low interest rate environment.
- Ability to generate gain – If the debtor is not able to pay the debt off via a steady stream of income for example, then there is no reason to take on new debt. If you cannot pay off your debt, it may result in a loss of trust and forced liquidation.
Why is a Debt Schedule Important?
Usually a debt schedule is made because once a debt matures, it’s useful to be able to estimate the total amount of money that a company has to pay. A debt schedule is also used so that the company can monitor the maturity of the debt, which is then used to make decisions. An example of a decision made based on debt maturity would be considering the refinancing of debt through a different source or institution when the interest rate declines.
As well as this, the debt schedule report is able to be used to negotiate a new line of credit for the business. Lenders will consider the balance between risk and reward using the report before they grant a new credit.
If you'd like to read more about Debt Schedules, visit:]
- An automatic excel algebraic approach for revolving loan facility in annual financial models (no macro & circular links)1,378 remove_red_eyefreeby Ivan Klykov
Debt Modeling Workbook (Training)Train yourself at generating loan schedules for personal loans639 remove_red_eyefreeby Lance Rubin
Cash Flow Model Excel Template with Monthly Cash Flows, Scenarios, DCF, Capital Structure and Debt ModelAn extended Excel version of a Cash Flow financial model with a free video tutorial.477 remove_red_eye
Betas and LeverageObtain a table of betas at different debt ratios633 remove_red_eye
Adjusted Present Value for Optimizing DebtEstimate an "optimal" Capital Structure for a company using the Adjusted Present Value Approach.202 remove_red_eye
Synthetic Rating & Cost of DebtAllows you to estimate a rating and a cost of debt for your company from the firm's interest coverage ratio444 remove_red_eye
Powerful and Customizable Debt Module Excel ModelPowerful, highly customization and free debt calculations module.126 remove_red_eye$19.00by Alex Martyanov
Design debt (by looking at sensitivity to macro variables)Allows you to estimate the duration of a firm's assets and its sensitivity to other macro economic variables127 remove_red_eye
Credit Analysis Excel Model of Project Finance with Methane/Diesel PlantHow to use a model for evaluating credit analysis within project finance.65 remove_red_eye
Analytics Software Platform Pro Forma Excel ModelDetailed excel model for analytics software and service platform, including debt schedules and exit valuation152 remove_red_eyefreeby Colin Ferrian
Valuation: Gross Debt vs Net DebtThis model reconciles Gross DEbt and Net Debt for Valuation156 remove_red_eye
Bond Yield Calculator Excel ModelAutomatic generation of scheduled bond payments and the calculation of resulting yield to maturity.40 remove_red_eye
Debt Capacity Calculator Excel ModelLearn how to compute Debt Capacity144 remove_red_eye$9.00by Alexander Jarvis
Loan Amortization Schedule in ExcelA loan amortization schedule template along with step-by-step instructions.33 remove_red_eye
KISS Debt VersionKISS stands for Keep It Simple Security: Debt Version legal document template.71 remove_red_eyefreeby 500 Startups
Cost and Market Value of Debt ModelExcel tool for calculating the cost and market value of debt.29 remove_red_eye
- Have a Debt Schedule Financial Model to share?
Your Debt Schedule Financial ModelPublish a model
Any questions on Debt Schedule?
The user community is here to help. Go ahead!