Merchant Cash Advance Calculators

Unlock your business’s potential—use our Merchant Cash Advance Calculator to quickly gauge your advance amount and repayment estimates.

How it works

Input your loan amount, interest rate, and repayment term to calculate estimated costs.

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Instantly see your estimated repayment amount, total cost, and interest.

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Adjust inputs to compare options and find the best MCA offer for your business.

A Merchant Cash Advance provides businesses with a lump sum in exchange for a percentage of future sales.

Enter your advance amount, repayment term, and factor rate to estimate total repayment and interest costs.

Unlike traditional interest rates, MCAs use a factor rate (e.g., 1.3 or 1.4) to determine the total repayment amount.

Your repayment is based on the advance amount multiplied by the factor rate, divided over the repayment term.

Payments are typically deducted daily or weekly from your business’s revenue.

Some MCA providers allow early repayment, but discounts or savings on interest may not always apply.

MCAs are best for businesses with high daily sales and fluctuating revenue that need quick access to capital.