MCA Calculators
Factor rates hide the real price of fast capital. Plug in any MCA offer to see the total payback, the true cost of capital, and your daily, weekly, or monthly payment — before you sign.
Your offer details
Adjust the sliders to match the MCA offer you received.
120 payments · about 6.0 months
Your true cost
- Total payback
- $67,500
- Cost of capital35.0% of the advance
- $17,500
- Daily paymentMon–Fri · 120 payments
- $562.50
Estimate only, based on the factor rate and payment count you enter. Actual offers may include origination or other fees. MCAs are not loans and carry no interest rate.
Offer Comparison
Got two offers on your desk? Enter both and see which one really costs less — factor rates alone don't tell you.
Head-to-head winner
Offer B costs less — $3,500 less in total payback than Offer A.
Offer A: $67,500 total · $562.50 per payment. Offer B: $64,000 total · $2,666.67 per payment. Compare the per-payment figure against your cash flow before you sign.
Offer A
120 payments · about 6.0 months
- Total payback
- $67,500
- Cost of capital35.0% of the advance
- $17,500
- Daily payment
- $562.50
Offer B
Cheaper24 payments · about 6.0 months
- Total payback
- $64,000
- Cost of capital28.0% of the advance
- $14,000
- Weekly payment
- $2,666.67
Estimate only, based on the numbers you enter. Actual offers may include origination or other fees. MCAs are not loans and carry no interest rate.
Cash-Flow Impact
See what the payment really leaves you with each month before you sign.
Your numbers
Enter what your business brings in and what funding would take out.
Monthly impact
- New payment, monthly equivalent$550.00 daily × 21.67 payments/mo
- $11,917
- Total monthly funding burden
- $11,917
- Share of monthly revenue
- 14.9%
- Cash left each month
- $68,083
About 15% of your monthly revenue would go to funding payments, leaving ~$68,083.
Compare what's left against your other monthly costs — rent, payroll, inventory — before you sign. Estimate only.
Funding Estimator
A realistic starting point for the conversation — it weighs revenue, time in business, open positions, and bank-balance health, the same four things funders look at.
Your business
Four quick inputs — the same four things funders weigh when sizing an MCA offer: revenue, time in business, open positions, and bank-balance health.
Open MCAs or loans stack — each open position shrinks what a new funder will offer.
Balance health: 3.3% of monthly revenue — thin balances (−45% to the estimate).
Estimated range
$42,000 – $51,000
Based on $120,000/mo revenue and 1–2 years in business — roughly 1x your monthly revenue, adjusted for open positions and balance health.
How we got this range
Base on $120,000/mo × 1 = $120,000 → 1 current position (−30%) → thin balances (−45%) → working figure $46,200 → range $42,000–$51,000
Not a guarantee
Actual offers depend on your bank statements, cash-flow consistency, open positions, and each funder's criteria.
How to read your result
Total payback is the number that matters most: your advance multiplied by the factor rate. It's fixed on day one — unlike a loan, paying early rarely earns you a discount, so compare this figure across every offer you receive.
Cost of capital is what the money itself costs you in dollars. Divide it by the advance to see the markup as a percentage.
The payment schedule is quoted the way MCA contracts write it: business days for daily debits (Monday–Friday), weeks for weekly debits, months for the rare monthly schedule. Terms run from about 3 months up to 36 months. A 120-day term is 120 payments over roughly 6 months. Shorter terms mean higher daily payments for the same cost — always check the per-payment figure against your cash flow before signing.
Want the full breakdown?
Our guide walks through factor-rate math, daily vs. weekly payments, hidden fees, and the 5 questions to ask before you sign — with worked examples.
Read: How Much Does a Merchant Cash Advance Really Cost? →Common questions
Why is the term in days instead of months?
MCA contracts are written in payment counts, not calendar months. Daily-debit advances collect Monday through Friday, so a 120-day term means 120 business-day payments — about 6 months. Weekly and (rarely) monthly schedules work the same way. This calculator uses the same convention, so the numbers match your contract line for line.
Is the factor rate the same as an interest rate?
No. A factor rate sets a fixed payback amount on day one — a 1.35 factor on $50,000 means you repay $67,500, period. Nothing accrues over time, and paying early rarely earns a discount. Compare total payback dollars across offers, not the factor rate alone.
How is my daily payment calculated?
Total payback divided by the number of payments. A $67,500 payback over 120 daily payments is $562.50 per business day. Weekly schedules work the same way — payback divided by the number of weeks.
Which offer should I pick if the payments are similar?
Take the one with the lower total payback — that's the true cost of the money. Then check the per-payment amount against your cash flow with the impact calculator above: the cheaper offer only wins if you can comfortably make every payment.
Is the funding estimate a guaranteed offer?
No — it's a realistic starting point for the conversation, based on how funders weigh revenue, time in business, open positions, and bank-balance health. Actual offers depend on your bank statements, cash-flow consistency, open positions, and each funder's criteria.
Questions about an offer on your desk? Call us at 352-809-3201 — we'll walk through the math with you, no obligation.
Know your numbers. Get funded fast.
See what you qualify for in minutes — approvals in hours, funding as fast as 24 hours.