Value Proposition:
Instead of having “loans on separate files,” this schedule provides you with a single source of truth:
What is due when? How much principal? How much interest? What remains? What is the collateral?.
The output is not just a repayment schedule; it is a Debt Master suitable for closing, reporting, and treasury management.

In 20 seconds: What will you get?

• Debt Schedule Template: Unified debt schedule for each loan/facility.
• Amortization (Principal/Interest): Breakdown of principal and interest for each repayment period.
• Maturity Calendar: Due dates + alerts for upcoming maturities.
• Facilities & Terms: Type of financing, interest rate, reference + margin, fees, repayment terms.
• Guarantees & Collateral: Loan guarantees (mortgages/guarantees/commitments).
• Covenants Watch (optional): Monitoring covenants (DSCR/Leverage) and test dates.
• Short/Long Classification: Automatic Short and Long classification based on 12 months.
• Cash Forecast Link: Export repayment items to feed the 13-week forecast or liquidity scenarios.
• JE Support: Outputs supporting interest/repayment/accrual entries.
• Dashboard: Total debt, average cost, next 3 maturities, and distribution by bank/currency.

Suitable for

• Companies with multiple loans or multiple banks needing a single source of truth.
• Treasury teams for repayment planning and liquidity forecasting.
• Financial reporting teams for Short/Long classification and debt disclosures.

Not Suitable for

• Entities without loans/facilities or with a single simple debt without a repayment schedule.
• Those seeking a direct banking system API—this Excel template relies on internal data/export.

Without Debt Master / With Debt Master

Before Use: 5 Symptoms of “Invisible” Debt Management

• Surprises of principal or interest due during the month.
• Lack of clarity on the loan “which bank/which currency/which guarantee” in one file.
• Difficulty in determining total expected interest for the quarter/year.
• Short/Long classification changes every time at closing due to absence of a fixed Schedule.
• Facilities or loans expire without a renewal/early repayment plan.

After Implementation (Two Points Only)

• Proactive Control: Know the maturities and fees in advance and plan liquidity.
• Cleaner Closing: Principal/Interest/Short-Long ready for reporting and notes.