Free Online Calculators

Merchant Cash Advance Calculator

Merchant Cash Advance - Calculate and analyze your financial metrics with this comprehensive calculator.

Merchant Cash Advance Calculator

Merchant Cash Advance Calculator

Calculate costs & analyze revenue-based financing for your business

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MCA Basics

  • • Factor rates typically 1.1 to 1.5
  • • Holdback usually 10-30% of sales
  • • Payments taken automatically daily
  • • No fixed term - based on sales

Important Note

MCAs are expensive. Factor rate is NOT an interest rate. Always compare APR with alternatives.

Merchant Cash Advance Calculator Guide

Merchant Cash Advance (MCA)

MCAs provide upfront funding repaid via a holdback from daily card sales. Costs depend on factor rate, fees, and sales volume.

Key Terms
  • Advance amount
  • Factor rate (e.g., 1.35)
  • Holdback % of daily receipts
Example

$30,000 advance at 1.35 → total payback $40,500. With 12% holdback and $1,200/day receipts, daily remittance ≈ $144.

FAQs

APR equivalent?
Factor rates are not APR; compute time to repay to estimate effective APR.

Suitability?
Useful for short-term needs; costs are typically higher than loans.

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