Merchant Cash Advance Calculator

MCA Calculator

Calculate your MCA costs based on monthly revenue.

Advance Amount ?

$5K $5M

Factor Rate ?

1.10 (Best) 1.50

Monthly Revenue ?

$10K $500K

Remittance Rate ?

Total Repayment Amount

$65,000

Estimated Daily Remittance

$375

Based on your monthly revenue

Estimated Payoff Time

6-7 months

Actual time varies with your revenue

Cost Breakdown

Advance Amount $50,000

Cost of Capital $15,000

Total to Repay $65,000

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Disclaimer: This calculator provides estimates only and is for educational purposes. Actual MCA terms, factor rates, and remittance percentages vary based on your business profile, credit history, and the MCA provider. The estimated payoff time assumes consistent revenue. Merchant cash advances are not loans—they are purchases of future receivables based on your overall business revenue, not just credit card sales.

Understanding Factor Rates

Factor rates determine your total repayment amount. Unlike interest rates, factor rates are fixed and don't compound over time.

1.15

Excellent Rate

$50K advance = $57,500 repayment

1.30

Average Rate

$50K advance = $65,000 repayment

1.45

Higher Rate

$50K advance = $72,500 repayment

How Merchant Cash Advances Work

A merchant cash advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future revenue. Unlike traditional loans, there's no fixed monthly payment—your repayment is based on a percentage of your daily bank deposits, so payments adjust with your business income.

Receive funds within 24-48 hours
No collateral required
Payments adjust to your sales volume
Credit score requirements are flexible
Approval based on sales history, not just credit

Quick Qualification

$10K+

Monthly card sales

6+ months

Time in business

500+

Credit score

Active

Business checking