Exhibit 10.21

EIGHTH AMENDMENT

TO

LOAN AND SECURITY AGREEMENT

THIS EIGHTH AMENDMENTto Loan and Security
Agreement (this Amendment) is entered into this 21stday of April 2006, by and between Silicon Valley
Bank (Bank) and Optio Software, Inc., a Georgia corporation (Borrower) whose address is 3015 Windward Plaza, Windward Fairways II, Alpharetta, Georgia 30005.

RECITALS

A.Bank and Borrower have
entered into that certain Loan and Security Agreement dated as of April 25, 2002, as amended by a First Loan Modification Agreement, dated September 12, 2002, as amended by a Second Loan Modification Agreement, dated April 24, 2003,
as amended by a Third Loan Modification Agreement, dated June 4, 2003, as amended by a Fourth Loan Modification Agreement, dated December 4, 2003, as amended by a Fifth Loan Modification Agreement, dated April 6, 2004, as amended by a
Sixth Loan Modification Agreement, dated April 22, 2005, as amended by a Seventh Loan Modification Agreement, dated April 27, 2005 (as the same may from time to time be further amended, modified, supplemented or restated, the Loan
Agreement).

B.Bank has extended credit to Borrower for the purposes permitted in the Loan Agreement.

C.Borrower has requested that Bank amend the Loan Agreement to (i) extend the maturity date thereof and (ii) make certain other
revisions to the Loan Agreement as more fully set forth herein.

D.Bank has agreed to so amend certain provisions of the Loan
Agreement, but only to the extent, in accordance with the terms, subject to the conditions and in reliance upon the representations and warranties set forth below.

AGREEMENT

NOW, THEREFORE, in
consideration of the foregoing recitals and other good and valuable consideration, the receipt and adequacy of which is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows:

1. Definitions. Capitalized terms used but not defined in this Amendment shall have the meanings given to them in the Loan Agreement.

2. Amendments to Loan Agreement.

2.1Section 6.2(b) is hereby amended, in part, to delete the words and accounts payable at the end of such sentence.

2.2Section 6.7(ii) on the Loan Agreement, entitled EBITDA shall be amended to read as follows:

(ii) EBITDA. EBITDA, as of the last day of each month, of no less than:



|                              |  |                 |          |  
|----------------------------- |  | --------------- | -------- | -
|As of the last day of:        |  | Minimum EBITDA: |         
|April 2006                    |  | $               | (750,000 | )
|May 2006  July 2006          |  | $               | (500,000 | )
|August 2006  January 2007    |  | $               | (250,000 | )
|February 2007  Maturity Date |  | $               | (750,000 | )



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2.3The definition of Revolving Maturity Date in Section 13.1 of the Loan
Agreement shall be amended to read as follows

Revolving Maturity Date is April 20, 2007.

2.4Borrowers Compliance Certificate is hereby amended as set forth in Exhibit A hereto.

3. Limitation of Amendments.

3.1The amendments set forth in Section 2, above, are effective for the purposes set forth herein and shall be limited precisely as written and shall not be deemed to (a) be a consent to any amendment, waiver or modification of any
other term or condition of any Loan Document, or (b) otherwise prejudice any right or remedy which Bank may now have or may have in the future under or in connection with any Loan Document.

3.2This Amendment shall be construed in connection with and as part of the Loan Documents and all terms, conditions, representations, warranties,
covenants and agreements set forth in the Loan Documents, except as herein amended, are hereby ratified and confirmed and shall remain in full force and effect.

4. Representations and Warranties. To induce Bank to enter into this Amendment, Borrower hereby represents and warrants to Bank as follows:

4.1Immediately after giving effect to this Amendment (a) the representations and warranties contained in the Loan Documents are true,
accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties relate to an earlier date, in which case they are true and correct as of such date), and (b) no Event of Default has
occurred and is continuing;

4.2Borrower has the power and authority to execute and deliver this Amendment and to perform its
obligations under the Loan Agreement, as amended by this Amendment;

4.3The organizational documents of Borrower delivered to Bank
on the Closing Date remain true, accurate and complete and have not been amended, supplemented or restated and are and continue to be in full force and effect;

4.4The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement, as amended by this Amendment, have been duly authorized;



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4.5The execution and delivery by Borrower of this Amendment and the performance by Borrower of
its obligations under the Loan Agreement, as amended by this Amendment, do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a Person binding on Borrower,
(c) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the organizational documents of Borrower;

4.6The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement, as
amended by this Amendment, do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or subdivision thereof, binding
on either Borrower, except as already has been obtained or made; and

4.7This Amendment has been duly executed and delivered by
Borrower and is the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium or other similar laws of
general application and equitable principles relating to or affecting creditors rights.

5. Counterparts. This Amendment may
be executed in any number of counterparts and all of such counterparts taken together shall be deemed to constitute one and the same instrument.

6. Effectiveness. This Amendment shall be deemed effective upon (a) the due execution and delivery to Bank of this Amendment by each party hereto, (b) Borrowers payment of an amendment fee in an amount equal to
$15,000 and all of Banks legal costs and expenses in connection herewith, (c) Certificate of Good Standing from Georgia, dated within 30 days of closing.

[Signature page follows.]



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IN WITNESS WHEREOF,the parties hereto have caused
this Amendment to be duly executed and delivered as of the date first written above.



|                    |  |                      |  |        |  |                        
|------------------- |  | -------------------- |  | ------ |  | -----------------------
|BANK                |  | BORROWER            
|                    | 
|Silicon Valley Bank |  | Optio Software, Inc.
|                    |  |                      | 
|By:                 |  | /s/ Thomas Armstrong |  | By:    |  | /s/ Caroline Bembry    
|Name:               |  | Thomas Armstrong     |  | Name:  |  | Caroline Bembry        
|Title:              |  | Relationship Manager |  | Title: |  | Chief Financial Officer



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EXHIBIT A

COMPLIANCE CERTIFICATE



|      |  |                     
|----- |  | --------------------
|TO:   |  | SILICON VALLEY BANK 
|      | 
|FROM: |  | OPTIO SOFTWARE, INC.

The undersigned authorized officer of Optio Software, Inc. (Borrower) certifies that
under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the Agreement), (i) Borrower is in complete compliance for the period ending
 with all required covenants except as noted below and (ii) all representations and warranties in the Agreement, to
the knowledge of Borrower, are true and correct in all material respects on this date. Attached are the required documents supporting the certification. The Officer certifies that these are prepared in accordance with Generally Accepted Accounting
Principles (GAAP) consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The Officer acknowledges that no borrowings may be requested at any time or date of determination that Borrower is not in
compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is delivered.

Please indicate compliance status by circling Yes/No under Complies column.



|                                  |  |                                 |  |          |  |   
|--------------------------------- |  | ------------------------------- |  | -------- |  | --
|Reporting Covenant                |  | Required                        |  | Complies
|Monthly financial statements + CC |  | Monthly within 30 days          |  | Yes      |  | No
|10-Q + CC                         |  | FQE within 45 days (except FYE) |  | Yes      |  | No
|10-K + CC*                        |  | FYE within 90 days              |  | Yes      |  | No
|A/R Agings                        |  | Monthly within 30 days          |  | Yes      |  | No
|A/R Audit                         |  | Annual                          |  | Yes      |  | No
|Borrowing Base Certificate        |  | Monthly within 30 days          |  | Yes      |  | No

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|* | If annual 10-K delivery will be late, then Borrower shall deliver unaudited annual financial statements within 90 days of FYE, with required audited financials and 10-K delivered as
soon as available thereafter.
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|                                         |  |          |           |   |        |   |          |  |     |  |   
|---------------------------------------- |  | -------- | --------- | - | ------ | - | -------- |  | --- |  | --
|Financial Covenant                       |  | Required |           |   | Actual |   | Complies
|Maintain:                                |  |          |           |   |        |   |          |  |     |  |   
|Monthly Minimum Quick Ratio              |  |          | 1.75:1.00 |   |        |   | :1.00    |  | Yes |  | No
|Quarterly Minimum Quick Ratio            |  |          | 2.00:1.00 |   |        |   | :1.00    |  | Yes |  | No
|EBITDA as of the last day of each month: |  |          |           |   |        |   |          |  |     |  |   
|April 2006                               |  | $        | (750,000  | ) |        | $ |          |  | Yes |  | No
|May - July 2006                          |  | $        | (500,000  | ) |        | $ |          |  | Yes |  | No
|August 2006  January 2007               |  | $        | (250,000  | ) |        | $ |          |  | Yes |  | No
|February 2007  Maturity Date            |  | $        | (750,000  | ) |        | $ |          |  | Yes |  | No

Have there been updates to Borrowers intellectual property, if appropriate? Yes / No



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|                                                        |  |  |  |                                                                                             |  |                  
|------------------------------------------------------- |  |  |  | ------------------------------------------------------------------------------------------- |  | -----------------
|Comments Regarding Exceptions: See Attached. Sincerely, |  |  |  | BANK USE ONLY                                                                              
|                                                        |  |  |  | Received by:                                                                                |  |                  
|                                                        |  |  |  |                                                                                             |  | AUTHORIZED SIGNER
|                                                        |  |  | 
|Optio Software, Inc.                                    |  |  |  | Date:                                                                                       |  |                  
|                                                        |  |  | 
|SIGNATURE                                               |  |  |  | Verified:                                                                                   |  | AUTHORIZED SIGNER
|                                                        |  |  | 
|TITLE                                                   |  |  |  | Date:                                                                                       |  |                  
|                                                        |  | 
|DATE                                                    |  |  |  | Compliance Status:
                                        
                      Yes    No