- closed the books as small business owner and stared at the debt again
- put every extra dollar from the business into the debt but it barely moved
- act like the business is thriving but this debt is crushing me alone
- i just want to know when this debt will finally end
DebtCalculatorforSmallBusinessOwners
See the exact date your business owner debt is gone — without connecting your bank.
Ninety-five thousand in mixed debt at the small-business level is rarely one bad decision. It is the SBA loan from the buildout, the line of credit from the slow quarter when payroll had to clear, the personal credit cards you used for inventory because the business cards were maxed, the equipment loan on the second piece of gear that was supposed to pay for itself in eighteen months and took twenty-six. Each line item was rational at the moment. The total still feels like failure.
Avalanche is the right method when business and personal debt are tangled. Most owner debt has personal guarantees attached, which means the personal-versus-business distinction is a tax category, not a risk category. Treat it as one portfolio. Send every dollar of surplus to the highest-rate balance — usually the personal credit cards used for inventory financing. SBA and equipment loans typically sit at 8-10% and patient at the back of the line.
On $95,000 at a blended 13% (typical mix: $40k SBA at 9%, $25k personal credit cards at 22%, $20k equipment loan at 8%, $10k personal loan at 13%), paying $1,650/month minimum finishes in 84 months and costs $33,800 in interest. Adding $400/month extra cuts that to 67 months and $26,400 interest. The credit cards close around month 36, freeing $625/month into the cascade.
Pre-loaded with a typical owner mix: SBA loan, personal credit cards, equipment loan, personal loan. Your numbers stay on your device — no bank login, no QuickBooks integration. The math runs locally — see the methodology. Adjust to your real debts.
Pre-loaded with a typical business owner debt profile
Update with your actual numbers after you unlock the full calculator.
Recommended: Avalanche for this debt profile.
Your exact date is waiting. Enter your real numbers to see it.
One-time. No subscription. No bank login. Your numbers stay on your device.
Common questions
Avalanche, in almost every case. Owners typically carry mixed-rate portfolios with wide spreads (8% SBA loans alongside 22% credit cards), which is exactly the rate gradient Avalanche optimizes for. The math advantage on $95k mixed owner debt is $4,000-7,000 over Snowball across the full payoff. Snowball is defensible only if you have two equal-rate debts and need the smaller one closed for a credit application.
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