MCA Repayment Calculator
Estimate total payback, daily or weekly payment pressure, and holdback impact before comparing merchant cash advance offers or fast-funding alternatives.
Use This Before Fast Funding
MCA pricing is usually expressed as a factor rate, not an APR. This calculator keeps the math visible so you can compare payback amount, payment frequency, and the share of revenue that may be pulled from cash flow.
Advance Details
Numbers to Review
Contract Questions
- Is the agreement structured as a receivables purchase or a loan?
- Are there origination, broker, renewal, stacking, or default fees?
- Can payments be reconciled if revenue drops?
- What happens after missed payments, blocked debits, or business closure?
Important Limits
This calculator is not financial, legal, tax, brokerage, underwriting, or contract advice. It does not read your MCA agreement, state law, bank activity, or lender rules. Actual repayment may differ because of fees, payment timing, reconciliation terms, renewals, defaults, and revenue changes.
MCA Repayment FAQ
What is a merchant cash advance factor rate?
A factor rate is a multiplier applied to the funded amount. For example, a 1.35 factor on $20,000 means the estimated payback amount is $27,000 before considering any separate fees or contract details.
Is an MCA the same as a business loan?
No. Merchant cash advances are commonly structured as purchases of future receivables rather than traditional loans. Contract structure, state rules, payment method, and total repayment terms can differ from loan products.
Does this calculator tell me whether to take an MCA?
No. This calculator is an educational estimate. Review the contract, payment frequency, reconciliation terms, total repayment, default provisions, and alternatives before making a decision.