Merchant Cash Advance (MCA) Calculator
MCAs use factor rates instead of APR, which makes them look cheaper than they are. This tool surfaces the real effective APR so you can compare honestly.
The multiplier the funder uses. 1.30 means you repay $1.30 for every $1.00 advanced.
Percentage of daily card sales the funder takes until the advance is repaid.
Anything above 60% APR is expensive capital. Consider a term loan or line of credit if you qualify.
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How this calculator works
- 1
Enter your advance amount and the factor rate the funder quoted (typically 1.10 to 1.50).
- 2
Total repayment is amount × factor rate. The difference is your cost of capital.
- 3
We estimate daily remit using your monthly revenue and the holdback percentage, then convert to an effective APR.
Numbers look good?
See what your business actually qualifies for. It won't impact your credit score.
Frequently asked questions
Why is my MCA APR so high?▾
Factor rates compress repayment into a short window — often 4 to 12 months. A 1.30 factor over 6 months works out to over 80% APR.
Is this calculator accurate?▾
It's an estimate. Actual APR depends on your real daily card revenue, how quickly you pay it back, and any fees the funder charges upfront.
When does an MCA make sense?▾
When you need cash fast, can't qualify for a term loan, and have a clear, short-term ROI on the capital. Rarely a good long-term solution.