Optimizing Repayment Strategies for Egyptian Construction Companies with Multiple Loans is of utmost importance to efficiently allocate monthly income for loan repayment. The conventional practice of paying the minimum balance due each month leads to increased interest charges and prolonged repayment periods. In response, this research proposes a model for multiple loan repayment that considers the computational complexity involved. The model is built on the foundation of mixed integer linear programming and aims to establish an optimal repayment schedule by minimizing the total cash required to repay the loans and prioritizing the repayment of loans before personal expenses. The implementation of the model utilizes Mathematica software and the Gurobi optimizer. Through simulated cases using real data, the effectiveness of the proposed methodology is demonstrated. Debtors achieve average savings exceeding 12%, resulting in substantial reductions in payments made to banks or leasing companies. In certain scenarios, savings of up to 23.87% are attainable. The model considers debtors’ revenue and expenses, as well as the associated interest rates, terms, and fees for each loan. This research introduces an efficient model challenging conventional debt repayment practices in construction. Adoption empowers informed decision-making for significant cost savings and financial stability. Recommended for implementing tailored payment plans, regular monitoring and adjustments ensure sustained effectiveness. The proposed model is a powerful tool for optimizing repayment policies, potentially revolutionizing debt repayment in the construction industry.