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Trusted by 4,800+ U.S. Small Businesses

Stop Overpaying on
Business Debt.
Start Winning.

Payoff Edge specializes in SBA loan refinancing and credit card consolidation — helping U.S. businesses slash interest rates, reduce monthly payments, and redirect capital to what matters.

Calculate My Savings → 💬 Talk to an Advisor
$2.4B+
Loans Refinanced
4,800+
Clients Served
31%
Avg. Rate Reduction
72hrs
Avg. Approval Time
What We Do

Financial Solutions Built for Business

🏦
SBA Loan Refinancing
Restructure your existing SBA debt into lower-rate, longer-term solutions designed to free up cash flow and accelerate growth.
SBA 7(a)SBA 504Lower Rates
💳
Credit Card Consolidation
Merge high-interest revolving debt into a single, manageable business loan with predictable payments and significant interest savings.
Single PaymentFixed RateNo Collateral
📊
Cash Flow Optimization
Our financial analysts map your debt structure and craft a bespoke refinancing roadmap aligned with your revenue cycles.
Custom StrategyExpert AdvisorsFull Analysis
Savings Calculator

See What You Could Save

Adjust the sliders to estimate your potential monthly and total savings.

Loan / Debt Amount $250,000
$25,000$2,000,000
Current Interest Rate 14.0%
8%30%
New Rate (Est.) 7.50%
4%15%
Loan Term (months) 60 mo
12 mo120 mo
Current Monthly Payment
$5,773
New Monthly Payment
$4,946
Monthly Savings
$827
Total Interest Saved
$49,620
Lock In These Savings →
How It Works

From Application to Savings in 4 Steps

01
Apply Online
Complete our secure 10-minute application. No hard credit pull at this stage.
02
Expert Review
A dedicated advisor reviews your financials and identifies optimal refinancing paths.
03
Get Your Offer
Receive a personalized refinancing proposal with clear terms and projected savings.
04
Close & Save
Sign digitally, transfer seamlessly, and start saving from day one.
Client Stories

Real Businesses. Real Savings.

★★★★★
"Payoff Edge cut our monthly debt payments by $4,200. The process was smoother than I ever imagined. We now have breathing room to actually grow."
M
Maria T.
Restaurant Owner, Texas
★★★★★
"Our SBA loan was crushing us. Within 60 days, Payoff Edge restructured everything at 3.8% lower. Game-changing for our operations."
J
James K.
Construction CEO, Florida
★★★★★
"I had $280k across 6 credit cards. They consolidated it into one clean loan. I saved over $60k in projected interest. Incredible team."
P
Priya S.
Med Spa Founder, California
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Ready to Cut Your Debt Costs?

Our advisors review your current debt structure — at no cost, no obligation.

Email Us Now → 💬 WhatsApp +1 (807) 907-0085