MCA Cost Calculator
Estimates the total payback, per payment amount and annualized cost of a merchant cash advance from the advance amount, factor rate and term you enter.
For example 50,000
For example 1.32, from the agreement
Estimated payback period, 1 to 36
Enter the advance amount, the factor rate and the term to run the math. Everything updates instantly as you type.
How to read the numbers
A factor rate multiplies. An advance of $50,000 at a 1.32 factor rate means $66,000 goes back regardless of pace, and the calculator turns that into the number that actually decides survivability: the size of each payment against your real deposit flow.
The annualized figure is there for comparison only. Because an advance is repaid quickly, the same dollar cost concentrates into fewer months, which is why the annualized percentage usually looks far higher than the factor rate suggests. That is exactly the comparison worth seeing before signing anything.
Go deeper
Guides from our resource library that pair with this tool.
Want a real number instead of an estimate?
A calculator can only work with what you type into it. One short application lets funding providers look at your actual statements and respond with real figures, and talking it through first costs nothing.
Submitting an application does not guarantee approval, funding, or any particular rate or term.
Financing options are provided by participating financing providers and are subject to their eligibility requirements, approval and terms.