MCA Calculator
Calculate your total repayment amount and daily/weekly payments for a merchant cash advance.
Enter Your Details
Calculate Your MCA Payments
Enter your desired funding amount and terms to see estimated payments and total costs.
Daily payments are most common and may qualify for better rates
Payment Summary
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Enter your desired funding details to see payment estimates
Understanding Your Results
Key Terms Explained
- Factor Rate:
The multiplier that determines your total repayment. For example, a factor rate of 1.20 means you'll repay 120% of the advance amount. Lower rates mean lower costs.
- Cost of Capital:
The total amount you'll pay above the advance amount. This is your actual cost of funding. Compare this to your expected return on investment to make an informed decision.
- Payment Schedule:
Daily payments (Monday-Friday) are most common and often qualify for better rates. Weekly payments may be available but typically come with slightly higher factor rates.
Pro Tip
To minimize your cost of capital, consider a shorter term with daily payments. While the daily payment amount will be higher, you'll pay less in total costs.
Making Smart Decisions
- Compare Multiple Offers:
Factor rates can vary significantly between providers. Use our comparison tool to find the best rates for your business profile.
- Calculate ROI:
Ensure your expected return from using the funds exceeds your cost of capital. For example, if you're paying $10,000 in fees, your use of funds should generate more than that in profit.
- Consider Total Cost:
Some providers may charge additional fees beyond the factor rate. Always ask about origination fees, administrative fees, or other charges when comparing offers.
What Makes a Good Offer
- Factor rate below 1.30 for most businesses
- Term length matches your revenue cycle
- Minimal or no additional fees
- Clear, transparent terms with no hidden charges