What is a merchant cash advance?
An MCA is commonly structured as a purchase of future receivables. Many MCAs set the repayment amount up front using a factor rate.
Merchant Cash Advance Calculator
Estimate your Merchant Cash Advance (MCA) repayment, payment amount, and total cost.
Choose factor rate or total payback, then enter either a fixed payment or an estimated % holdback on card sales.
Calculator
Fill the required fields and click Calculate.
DISCLAIMER: Estimates are for educational use and may not reflect fees, contract terms, weekend rules, split funding, or changes in sales.
Factor rate and total payback
Total payback = Advance × Factor. Example: $50,000 × 1.40 = $70,000 total payback (before any additional fees).
Total cost percentage
If you take $50,000 and repay $70,000, your total cost is $20,000, which is 40% of the advance.
What to confirm in your offer
Ask about any origination fees, ACH fees, UCC filings, and whether the remittance is collected on weekends or only business days.
Fixed vs. sales-based repayment
Fixed payments are predictable. Sales-based payments rise and fall with revenue, but your total payback still stays tied to your pricing.
Cash flow check
The biggest practical impact is daily/weekly cash flow. Compare the expected payment against your typical margin and operating expenses.