Business Debt Schedule: Map Every MCA and Loan Payment
Several MCAs, loans and credit lines on one account? Most owners know the total but not when the money leaves. This free business debt schedule and tracker maps every payment on one weekly calendar and shows your combined burden.
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Friday is payroll. See what leaves first.
Business debt schedule and tracker: map every payment on one calendar
List each MCA, loan and credit line. Your weekly calendar and combined burden update as you type. Nothing is saved or sent. The rows below are example data, so replace them with your own numbers.
Your week on one calendar
Daily debits hit every business day. Weekly debits sit on the day you picked. Monthly payments are not shown here.
What stands out
The short answer
A business debt schedule, also called a business debt tracker, is a one-page list of every MCA, loan and credit line you owe, with the payment amount, how often it is collected and the day it leaves your account. It shows your combined burden and which days are heaviest, so you can catch payments that collide with payroll and give lenders or a resolution team accurate numbers.
How to build your business debt schedule in 5 steps
When several MCAs, loans and credit lines draw on the same account, it is easy to lose track of what leaves the business and when. Most owners know roughly what they owe in total, but not how the payments interact. That interaction is often where the pressure comes from: three debits on the same morning, a weekly payment that lands on payroll day, or a credit line maxed out to cover an MCA.
- Step 1
Create one row per obligation
Use the tracker above, a spreadsheet or a notebook. For each debt, record the same details in the same order. Include MCAs, term loans, equipment financing, business credit cards, lines of credit and supplier balances on payment plans.
- Funder or lender
- Advance Company A
- Type of obligation
- Merchant cash advance
- Original amount received
- About $____
- Estimated amount remaining
- About $____
- Factor rate or interest rate
- 1.35 factor rate, or 12% interest
- Payment amount and frequency
- $____ every business day
- Collateral and guarantees
- UCC filing, personal guarantee
- Expected payoff date
- Month and year
- Status
- Current, behind, returned or disputed
- Step 2
Put every payment on one calendar
Mark when each payment leaves the account in a typical month: daily debits every business day, weekly ones on their set day, monthly ones on their due date. Then add when your largest revenue usually arrives, and when payroll, rent and major supplier bills are due.
This calendar often shows the real problem. It may not be the total debt, but a cluster of payments in the same week as payroll. See how MCA daily payments change the pressure.
- Step 3
Add up the combined burden
Total the payments for one week and one month, then compare the monthly total with your average monthly deposits. Write these three answers at the top of your list. They are the first things a resolution team will want to understand.
- Combined payment shareWhat share of deposits goes to debt payments before operating costs are covered?
- Highest-pressure obligationWhich single payment is largest, or most frequent, relative to the cash it leaves?
- Most recent additionWas a new advance taken to cover an older one? That pattern is known as MCA stacking.
- Step 4
Note the contract terms that matter
If you have the agreements, look for a few key provisions and note where they appear. You do not need to interpret them. Simply noting them helps a qualified professional review them faster. For legal questions, speak with an attorney.
- Reconciliation clauses that allow payments to be reviewed against actual sales
- Anti-stacking or no-additional-financing clauses
- Default events and how notice is given
- Personal guarantees and any collateral or UCC filings
- Confession of judgment provisions, where they apply
- Step 5
Decide what you need to protect
Before discussing any option, decide what the business cannot do without. For many owners it is payroll, a key supplier, a lease or the equipment that generates revenue. Writing it down keeps any later conversation focused on keeping the business operating, not only on the balance.
Common mistakes to avoid
- Taking another advance to cover existing ones without comparing the total cost
- Stopping payments without understanding the contractual and legal risks
- Focusing only on the lowest new payment instead of the total amount repaid
- Ignoring smaller obligations that still share the same cash flow
- Sharing passwords or full account numbers with anyone during the first contact
Should you consolidate several MCAs into one?
Consolidation, sometimes sold as “reverse consolidation,” replaces several payments with one new payment. It can lower the payment, but a new product can also add another position, extend the term or raise the total repaid.
Before agreeing, compare the total cost, any fees, and what happens if you miss a payment. Ask for every term in writing, and see the FTC’s business guidance. Your debt map makes this comparison easier.
Ask the lender these 3 things
What is the total amount I will repay? What fees apply, and who charges them? Does the new payment cover every advance, or only some?
When to ask for help
A debt map is useful on its own, but some situations call for a closer review. Consider requesting an assessment if combined payments take a large share of deposits before payroll is covered, if you have taken an advance to cover another, if a payment has been returned or missed, or if a funder has sent a default notice.
A resolution team can look at the full list and explain whether reconciliation, negotiation, restructuring or settlement may be worth discussing for your situation. It should also explain its fees and terms in writing before you decide. You stay in control of every decision, and nothing changes with your existing agreements until new terms are agreed in writing.
Frequently asked questions
Straight answers to what business owners ask us most.
What is the easiest business debt tracker for several MCAs?
A single list with one row per obligation: lender, type, balance, payment, frequency and status. The tracker above builds it for you and adds a weekly calendar. You can also download it as a CSV and open it in Excel or Google Sheets.
Should I include credit cards and equipment loans?
Yes. Include any obligation that draws on the same cash flow, including term loans, equipment financing, business credit cards, lines of credit and supplier balances on payment plans.
What if I do not know my remaining balance?
Estimate it and mark it as an estimate. Your agreement, statements or the funder can confirm it, and you can ask a funder for a written balance statement. You do not need exact numbers to start an assessment.
Is consolidating several MCAs into one a good idea?
It depends. Consolidation can lower the payment, but a new product can also add another position, extend the term or raise the total repaid. Compare the total cost, fees and what happens if you miss a payment, and get terms in writing before you agree.
What is a business debt schedule?
A business debt schedule is a list of every debt with its creditor, balance, rate, payment amount and due dates. A debt map adds a calendar view, so you can see when payments collide.
Should I use the debt snowball or avalanche method for MCAs?
Those methods were built for interest-bearing debts you can pay down in any order. MCAs are usually repaid through fixed remittances under a contract, and the right order can depend on collateral, personal guarantees and each agreement’s terms. A debt schedule shows the full picture, and a qualified professional can help you decide what to address first.
How often should I update my business debt tracker?
Update it whenever a payment amount, frequency or status changes, or when you add or pay off an obligation. Checking it at least once a month is a good habit.
Can you review all of my obligations together?
Yes. The free assessment looks at your full list, not one advance at a time. Our team reviews your inquiry and, where appropriate, connects you with a resolution team.
Do you charge for the review?
The assessment is free and carries no obligation. If a resolution team later proposes services, it should explain its fees and terms in writing before you decide anything.
Keep exploring
Turn a complicated debt picture into a clear one
Once your business debt tracker is filled in, tell us about your obligations in the free assessment. Our team reviews your inquiry and, where appropriate, connects you with a resolution team.