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Use our free Merchant Cash Advance (MCA) Calculator to estimate your total payback, daily payment, and weekly payment before you commit. MCA financing is fast but expensive — make sure you understand the costs upfront.
A Merchant Cash Advance is a type of business funding where a company receives a lump sum in exchange for a percentage of future sales. It’s not a loan, and repayment is made through daily or weekly deductions from revenue.
Example: A $30,000 advance at a 1.35 factor rate means a $40,500 total repayment. If repaid over 120 days, that’s ~$337/day or ~$2,360/week.
Estimate your repayment terms for a Merchant Cash Advance (MCA).
Total Payback Amount: $
Estimated Daily Payment: $
Estimated Weekly Payment: $
An MCA is a type of business funding where you receive a lump sum in exchange for a percentage of your daily or weekly business sales until the advance is repaid. It’s not a loan and does not have a fixed interest rate or term.
The factor rate is a multiplier (usually between 1.1 and 1.5) used to determine how much you will repay. For example, a $50,000 advance with a 1.3 factor rate means you repay $65,000.
It’s the portion of your daily sales that the provider takes to repay the advance. For example, a 15% holdback means $150 is collected for every $1,000 in daily revenue.
This calculator gives an estimate based on your inputs. Actual repayment terms depend on your MCA agreement, daily revenue fluctuations, and provider policies.
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