MCA calculator

See the payment shape before the sales call.

Adjust the purchase amount, factor rate, estimated term, and debit frequency. This illustration helps you compare cash-flow impact. It is not an offer or approval.

Price a real scenario

Purchase amount$250,000

Factor rate1.28

Estimated term9 months

Estimated debit frequency

Total purchased amount$320,000

Estimated cost$70,000

Estimated daily debit$1,641

Estimated payments195

Merchant cash advances are generally structured as purchases of future receivables, not loans, and a factor rate is not an APR. Figures use 21.67 business days, 4.33 weeks, or one monthly payment per month and are illustrative only. Actual terms, reconciliation rights, payment frequency, fees, and cost depend on underwriting and final documents.