אם יש לי חוב קטן לחברה, אני מחזירה לה את הכסף ביום שאני מקבלת את המשכורת.

Hebrew usually expresses possession with יש ל־ + pronoun, literally something like there is to me.

So:

• יש לי חוב = I have a debt
• literally: There is a debt to me / in my possession

This is the normal way to say have in Hebrew. Hebrew does not usually use a separate verb equivalent to English to have in this kind of sentence.

It can mean either one.

Without vowel marks, לחברה can mean:

• to a female friend
• to a company

Both are grammatically possible, and both are feminine in Hebrew, so the later pronoun לה could also refer to either one.

Only context tells you which meaning is intended.

Because the speaker is feminine singular.

In Hebrew present tense, verbs agree with gender and number. So:

• אני מחזירה = I return / I pay back said by a woman
• אני מקבלת = I receive said by a woman

If the speaker were masculine, you would say:

• אני מחזיר
• אני מקבל

So this sentence is being said by a female speaker.

Yes, Hebrew often can drop the subject pronoun, but here אני helps make the subject clear.

In the present tense, מחזירה could mean:

• I return
• she returns

So adding אני removes ambiguity.

The sentence could still work without it in some contexts, but אני מחזירה is very natural when you want to be clear.

The verb להחזיר basically means to return or to give back.

So:

• מחזירה לה את הכסף = I give her/the company back the money
• in natural English: I pay her/it back

Hebrew often uses להחזיר כסף when talking about repaying money that is owed.

A different verb, לשלם, means to pay, but להחזיר emphasizes the idea of returning money that you owe.

לה means to her or to it.

So the structure is:

• מחזירה = returning
• לה = to her / to it
• את הכסף = the money

Together:

• מחזירה לה את הכסף = I return the money to her / to it

This is an indirect object pronoun.

This את is the direct object marker.

Hebrew uses את before a definite direct object, usually one with ה־ (the) or a possessive meaning.

Here:

• הכסף = the money
• therefore: את הכסף

So:

• מחזירה לה את הכסף = I return the money to her

Important: this את is not translated into English. It is just a grammatical marker.

Both are possible, but they are slightly different in feel.

• כשאני מקבלת את המשכורת = when I receive my salary
• ביום שאני מקבלת את המשכורת = on the day that I receive my salary

Using ביום ש־ makes it more specific. It focuses on that particular day, not just the general time.

So this sentence sounds a bit like:

• If I have a small debt to a friend/company, I pay it back on the day I get my paycheck.

ש־ here means that.

In ביום שאני מקבלת את המשכורת, it connects day with the clause that describes that day:

• ביום = on the day
• שאני מקבלת את המשכורת = that I receive the salary

So the whole phrase means:

• on the day that I receive my salary

This ש־ is extremely common in Hebrew for relative clauses and connecting clauses.

Hebrew often uses the present tense for habitual or general statements, just like English can do:

• If I have a small debt, I pay it back on payday.

This sentence describes a regular pattern or habit, not a one-time future event.

So:

• אם יש לי... אני מחזירה... = If I have..., I pay back...

If you wanted a specific future situation, Hebrew would more likely use future forms, for example:

• אם יהיה לי חוב קטן לחברה, אחזיר לה את הכסף ביום שאקבל את המשכורת.
• If I have a small debt to a friend/company, I’ll pay it back on the day I receive my salary.

In Hebrew, המשכורת literally means the salary, but in context it often naturally means my salary / my paycheck.

So:

• אני מקבלת את המשכורת = literally I receive the salary
• natural English: I receive my salary / my paycheck

Hebrew often uses the definite article where English would prefer a possessive.

Because adjectives in Hebrew agree with the noun in gender and number.

• חוב is masculine singular
• so קטן is also masculine singular

If the noun were feminine, the adjective would change. For example:

• בעיה קטנה = a small problem

So חוב קטן is the correct agreement for a small debt.