Merchant Cash Advance Calculators
Each MCA calculator here answers one question: what an advance costs, what you repay, its APR or your stacked payments. Pick one, run your offer, then compare.
Owners and brokers: free MCA calculators. Pick the one you need.
Use these merchant cash advance calculators to see an MCA's cost in dollars before you sign. Each one is free and needs no signup: the cost calculator, the repayment calculator, the factor rate calculator and the APR calculator. Start with the one that matches the number on your offer.
Which MCA calculator should I use?
- Have a factor rate? Use the factor rate calculator. - Want the total cost and fees? Use the MCA cost calculator (cost checker). - Want an APR-style figure? Use the MCA APR calculator. - Paying more than one advance? Use the stacking calculator.
What else do owners ask?
Is there an online MCA repayment calculator?
Yes. The cost checker and the APR calculator both show the daily or weekly payment and total payback.
Do these calculators affect my credit?
No. Nothing you type is sent to a funder.
These free calculators turn merchant cash advance terms into plain numbers. One checks the full cost of an offer, including fees and early payoff. One shows what a factor rate costs in dollars and APR. One works out daily, weekly or holdback payments. One adds stacked advances into a single leverage figure. One shows how example funder boxes read a file. Every formula is on its page.
The calculators
- MCA cost checker: total cost, cost per dollar received, estimated APR, the daily or weekly payment and an early-payoff scenario, with fees counted.
- Factor rate calculator: total payback, dollar cost, cost per dollar received, simple annualized cost and an estimated APR.
- Funder fit checker: test a merchant file against five labeled example funder boxes and see which rules it meets and which rule leaves a box out.
- MCA payment calculator: work out a fixed daily or weekly debit, or a holdback share of sales, and see what it takes from your average daily deposits.
- Stacked payment calculator: add every open advance, see total daily debits as a share of deposits, what a new position adds, and days to clear.
How the calculators work
Each one runs in your browser. Nothing you type is stored or sent. Your numbers sit in the page address, so you can bookmark a result or send it to your broker. Every input is yours; no box is filled in with a sample number. Each page lists its formulas in plain text, with a worked example you can check by hand.
Results are estimates. Funders set the actual terms, and every offer is subject to funder underwriting.
FAQ
Which calculator should I start with?
Start with the factor rate calculator if you have an offer in hand. Use the payment calculator to see a debit against your deposits. Use the stacked calculator if you already carry an advance.
Are the results the same as an offer disclosure?
Not always. State disclosure laws set their own methods, so a disclosure can show a different estimated APR. Treat these results as a check, and ask the funder how its figures were worked out.
Do the calculators cost anything?
No. They are free, need no sign-up and store nothing.
Next step
Ready to see real terms? Apply now, and we shop your file to funders whose programs fit. Each funder whose box fits sends its own offer in writing. New to the words? Start with the MCA glossary.
Call 877-FUND-654Send one file.
See what fits.
Call 877-FUND-654 with questions.