Get instant calculations for your merchant cash advance with our free MCA calculator. Whether you're considering a business cash advance or comparing multiple offers, this calculator can help you understand the true cost of merchant funding including factor rates, total repayment amounts, and weekly payment estimates.
How to Use This MCA Calculator
Step 1: Enter Your Business Information
Monthly or weekly revenue
Desired advance amount
Business type and processing volume
Step 2: Review Your Calculated Terms
Total repayment amount
Estimated daily or weekly payments
Payback period
Step 3: Compare Your Options Use the results to compare different merchant cash advance offers and understand which option works best for your business cash flow.
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Frequently Asked Questions (FAQ)
What is a merchant cash advance calculator? A merchant cash advance calculator is a tool that helps business owners estimate the cost and payment terms of an MCA. It calculates your total repayment amount, factor rate, and daily/weekly payment obligations based on your business revenue and the advance amount you're seeking.
How accurate are MCA calculator results? Our merchant cash advance calculator provides estimates based on typical industry terms. Actual offers may vary based on your business's credit profile, processing history, and the specific lender's criteria. Use these calculations as a starting point for comparing offers.
What's the difference between factor rates and interest rates? Factor rates are multiplied by the advance amount to determine total repayment (e.g., $50,000 × 1.3 = $65,000 total). Interest rates are annual percentages applied over time. Factor rates don't compound but represent the total cost regardless of how quickly you repay.
How do I calculate my merchant cash advance payment? Your MCA payment is typically a fixed percentage of your daily credit card sales (holdback rate). For example, if you have $2,000 in daily sales and a 15% holdback, your daily payment would be $300.
What information do I need to use the calculator? You'll need your average monthly revenue, desired advance amount, and estimated factor rate. Some calculators also ask for your current monthly payment obligations and business type.
Can I use this for other types of business funding? While designed for merchant cash advances, this calculator can help estimate costs for similar products like business cash advances, revenue-based financing, and some short-term business loans with similar payment structures.
What's a good factor rate for a merchant cash advance? Factor rates typically range from 1.10 to 1.50. Lower factor rates (1.15-1.30) are better and usually offered to businesses with strong credit card processing volume and good credit. Higher factor rates (1.35-1.50) may apply to higher-risk businesses.
How quickly will I repay my merchant cash advance? Repayment speed depends on your daily sales volume and holdback percentage. Most MCAs are repaid within 3-12 months. Businesses with higher sales volumes typically repay faster.
Are there any hidden fees in merchant cash advances? While our calculator shows the main costs, some MCAs may include origination fees, underwriting fees, or early payoff penalties. Always review the complete terms before signing.
How does this compare to a traditional business loan calculator? Traditional business loan calculators use interest rates and fixed terms. MCA calculators focus on factor rates and sales-based repayment. MCAs are typically more expensive but offer faster funding and fewer qualification requirements.
Disclaimer: This merchant cash advance calculator provides estimates only. Actual terms, rates, and payments may vary based on your business qualifications and lender criteria. Always review complete terms before accepting any funding offer.
