How is Zakat on wealth calculated in personal finance that is used for trade, when there are installments not yet due?

Zakat on the aforementioned amount is obligatory if it reaches the nisab (minimum threshold) and a hawl (full lunar year) passes on it, by paying 2.5% after deducting any debt. This is unless the muzakki (person paying zakat) possesses other non-zakat-eligible assets that cover the debt and exceed his needs. If, after deducting the debt, the amount does not meet the nisab, and there are no other non-zakat-eligible assets exceeding his needs, then no zakat is due, as the preponderant opinion is that debt prevents zakat.