Small Business Debt Payoff Planner

Business debt hides in five places at once — the card, the line of credit, the equipment loan, a supplier balance on Net-30, the tax installments — and each one quietly charges rent for the hiding. Worse, the payoff advice written for households ignores the one thing that runs a business: cash flow is not the same every month. This planner puts every business debt on one list with one honest total and a debt-free date for the business — then checks the plan against real months, lean ones included.

What it does for you:
– Business Debt List — term loans, credit cards, lines of credit, equipment finance, supplier balances, vehicle loans and tax owed, each with Balance, APR, Monthly Payment and Paid So Far. Remaining calculates itself per debt.
– Avalanche Payoff Order — debts ranked highest-APR first automatically, the order that costs the business least (in the samples the 21.99% card is #1 and the 0% supplier balance is last — exactly as it should be).
– Months to Clear + Payoff Date per debt from exact payoff math, a BUSINESS DEBT-FREE DATE (1 Sep 2030 in the samples), and the WEIGHTED-AVERAGE APR your remaining debt actually costs you (10.6% on $63,500 in the samples) — the number no single statement ever shows.
– Cash-Flow Payoff Plan — twelve months of YOUR revenue and essential costs; Debt Payments pull from the debt list, your Extra flexes with the month, and Left for Reserve & Owner shows what the business keeps after debt is fed (averaging $4,015/month in the samples; a negative month flags red while there is still time to cut the extra, not the minimums).
– Dashboard — total remaining, payments, weighted APR, debt-free date and average cash left at a glance.
– Expense Log & Monthly Budget — business categories (Rent/Lease, Payroll, Inventory, Debt Payments…) so operating spending and the payoff live in one file.
– Sample rows pre-filled (6 debts, $72,800 of balances, $9,300 already paid) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. A planning tool, not financial, tax or legal advice.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Business Debt List (avalanche order) · Cash-Flow Payoff Plan (12 real months) · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

Instant download. No shipping, no waiting. Message us if you need help setting it up — we answer fast.