BestWaytoPayOffBusinessDebt

Seventy-five thousand in business debt is the residue of the buildout that ran 30% over budget, the COVID-recovery loan with the variable-rate kicker that activated last year, the supplier credit you took to fulfill the big order that did not net what you projected. Each line item was a rational decision; the total still feels like the business is treading water with the bank's foot on the back of its head.

Avalanche is the only method that protects business margins. Interest is a direct hit on profitability — cutting it accelerates return to operating health faster than any revenue strategy on a 4-5 year horizon. Send every dollar of available cash flow to the highest-rate balance until zero, then cascade. Snowball wastes business cash on smaller balances that compound slowly. Avalanche is what financial advisors recommend to clients; it is also what they apply to their own firms.

On $75,000 at a blended 12% (typical mix: $35k SBA loan at 9%, $20k business credit card at 22%, $15k merchant cash advance at 15%, $5k equipment loan at 7%), paying $1,520/month minimum finishes in 60 months and costs $16,200 in interest. Adding $500/month extra cuts that to 47 months and $12,300 interest. The business credit card closes around month 33, freeing $400/month into the cascade.

Pre-loaded with a typical small-business mix. Your numbers stay on your device — no bank login, no QuickBooks integration. The math runs locally — see the methodology. Adjust to match your business debt schedule.

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