Home Calculators MCA Calculator

Merchant Cash Advance Calculator

Calculate the true cost of a merchant cash advance — total repayment, factor rate, daily/weekly payments, effective APR, and how it compares to traditional financing.

Factor rate · Total repayment · True APR · Daily payments · Payoff schedule · Cost comparison

Advance Details

Enter your MCA terms to see the true cost

$
×

Typical: 1.1 – 1.5. Enter as 1.35, not 35%

%
$
$
Quick Presets
Live Summary
$—
total repayment
Advance—
Cost of capital—
Factor rate—
Est. payoff—
Factor Rate Guide
1.10 – 1.15Excellent
1.15 – 1.25Good
1.25 – 1.35Average
1.35 – 1.45High
1.45 – 1.55+Very High
How MCA Works
A lender provides a lump sum in exchange for a percentage of future daily sales until a fixed total is repaid.
Unlike loans, MCAs use a factor rate (not APR), so faster repayment = higher effective APR.
MCAs are not loans — they're purchase of future receivables and are not covered by usury laws.
True APR Warning
MCA effective APRs often range 40% – 350%+. Always compare with SBA loans (6–8%), bank loans (8–12%), and business lines of credit (10–30%).