Debts Credits are an integral part of business operations, and are defined as an agreement between two parties whereby one party (the “creditor”) loans money or otherwise provides services to another (the “debtor”). The debtor is able to use the funds provided by the creditor and will be expected to repay the loan, usually with interest. In this way, Debts Credits can be a useful tool for businesses to help manage cash flow and to allow them to take advantage of opportunities that may not have been possible without additional funding.