owe to ,owe by的用法

money owed to the business by its customers 意思是“客户欠公司的钱”；
这样看更清楚：money owed by its customers to the business,"by its customers" 是指“owe”这个行为是“customers”实施的.
欠（债）,欠（钱）：“owe sb sth”或是“owe sth to sb”,变形为“sth is owed to sb by sb"
下面那句,money owed by customers 与上面同样的意思.