Merchant Cash Advance Calculator
See exactly how much you'll repay, your daily/weekly payments, and the effective APR before you sign an MCA agreement.
Calculate Your MCA Cost
Enter your advance details to see total repayment, payment schedule, and effective APR.
Lower factor rates = lower total cost
Shorter terms = higher daily payments, lower total cost
Percentage of daily sales deducted for repayment
Your MCA Breakdown
Total cost, payment schedule, and effective APR based on your inputs.
Cost Breakdown
Payment Schedule
Based on 9-month term with 15% daily holdback.
*This calculator provides estimates only. Actual MCA terms vary by provider, creditworthiness, and business performance. Effective APR is approximate and based on simple interest calculation for comparison purposes. Consult with a financial advisor before making funding decisions.
How to Use This MCA Calculator
Understand each input and what the results mean for your business.
Advance Amount
The lump sum you receive upfront. Typical MCA amounts range from $5,000 to $500,000, based on your monthly revenue.
Factor Rate
A multiplier that determines your total repayment. Lower rates (1.10–1.20) are better; higher rates (1.30+) mean higher costs.
Repayment Term
How long you have to repay. Shorter terms mean higher daily payments but lower total cost; longer terms spread out payments.
MCA Calculator FAQ
Common questions about merchant cash advance calculations.
What's the difference between a factor rate and an interest rate?
Factor rates are multipliers (e.g., 1.25) applied once to calculate total repayment. Interest rates (APR) compound over time. A 1.25 factor rate on a 6‑month term roughly equals a 50% APR, but MCAs aren't loans—they're purchases of future receivables.
Why is my effective APR so high?
MCAs are expensive capital because they're unsecured, fast‑funding options for businesses that can't qualify for traditional loans. High APRs reflect the risk to lenders and the convenience/speed provided to borrowers.
Can I negotiate a lower factor rate?
Sometimes. Strong revenue, consistent credit card sales, and a clean repayment history give you leverage. Always shop multiple providers—competition can lead to better rates.
Should I choose a shorter or longer term?
Shorter terms reduce total cost (less time for fees to accumulate) but increase daily payments. Longer terms ease cash‑flow pressure but cost more overall. Choose based on your business's seasonal patterns and cash‑flow stability.
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