Glossary · Reading the business
In short
A debt schedule is a detailed list of all outstanding loans and their repayment terms for a business. It shows principal and interest payments over time, providing a clear picture of future debt obligations.
When evaluating a target business, you'll need the seller's debt schedule to understand existing liabilities. This informs your pro forma financials and helps calculate global cash flow. The SBA lender will use this to assess the business's overall leverage and ability to service both existing and new debt.
Defined by DealRoom.so 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.
Free · No documents · Usually same-day