MCA Cost Calculator and Fee Checker
An MCA's total cost is the payback minus the cash that reaches you. Enter the amount, factor rate, fees and term to see your payment and total payback.
Calculator
Enter your numbers and press Check the cost.
Results are estimates, not advice. Funders set the actual terms. Nothing you type is stored or sent to our servers. Use Copy link, Print/save PDF, or Email to keep a copy on your device.
This MCA cost calculator shows what a merchant cash advance costs in dollars: the factor rate cost plus any fees, the payment and the total payback. Add every fee on your offer to see the real number. It's free and nothing is sent to a funder.
What fees come with an MCA?
Offers can carry an origination or underwriting fee, an admin fee, a UCC filing fee, and sometimes a fee taken out of the funded amount. Ask for every fee in writing and add each one to the calculator.
What else do owners ask?
What is an MCA fee?
Any charge on top of the factor rate cost. Fees can come out of what you receive, so check the net funded amount.
Is this an MCA debt calculator?
Yes. Enter what you still owe on the advance to see the remaining payments.
What does a $50,000 advance cost at different factor rates?
Each row is a $50,000 advance with no fees, repaid over 6 months. Daily means 126 business-day payments; weekly means 26 payments. The estimated APR uses the method in our content standards: the rate per payment that makes the payments worth the cash received, times 252 or 52.
| Factor rate | Total payback | Total cost | Daily payment | Estimated APR, daily | Weekly payment | Estimated APR, weekly |
|---|---|---|---|---|---|---|
| 1.25 | $62,500 | $12,500 | $496.03 | 92% | $2,403.85 | 90% |
| 1.35 | $67,500 | $17,500 | $535.71 | 126% | $2,596.15 | 123% |
| 1.45 | $72,500 | $22,500 | $575.40 | 158% | $2,788.46 | 155% |
How does a holdback set the payment?
With a holdback, the funder collects a fixed share of your sales instead of a fixed amount. Example: $60,000 in monthly deposits and a 10% holdback means $6,000 a month, or about $285.71 each business day. At that pace a $67,500 payback takes 11.25 months. When sales drop, the daily amount drops and the term runs longer; the total payback stays the same.
What the checker shows
Total cost
Cost per dollar received
Estimated APR
Daily or weekly payment
Early-payoff scenario
How the math works
Payments in the term are the months you enter times 21 for each business day, or times 52 divided by 12 for weekly, rounded to a whole number. The payment is the total payback divided by that count. If you give a factor rate instead of a payback, the payback is the advance times the factor.
The estimated APR is the rate per period at which the present value of every payment equals the cash you received, multiplied by 252 business days or 52 weeks. That matches the method in factor rate to APR, worked examples. State disclosure forms can use their own method, so their figure may differ a little.
Method: the estimated APR is the rate per payment that makes your payments worth the cash you received, times 252 for business-day debits or 52 for weekly debits.
For early payoff, the fee still unearned is the full fee times the share of the payback still owed. The waived amount is that unearned fee times the percentage you enter. The payoff is the balance left minus the waived amount, paid in place of the next payment.
A worked example
Example: a $50,000 advance at a 1.35 factor rate, with a $1,000 fee taken out, over 6 months of business-day payments.
- Total payback is $50,000 times 1.35, or $67,500. Cash received is $49,000.
- Total cost is $67,500 minus $49,000, or $18,500. That works out to about $0.38 per dollar received.
- Six months is 126 business days, so the daily payment is about $535.71. The estimated APR comes out near 135%.
- Paid weekly instead, it's 26 payments of about $2,596.15 and an estimated APR near 132%.
- Paying off after 3 months means 63 payments, or $33,750 paid, with $33,750 still owed. If the contract waives half of the unearned fee, $4,375 comes off and the payoff is $29,375. Total cost drops to $14,125.
The estimated APR on that early payoff rises to about 140%, because the cost is squeezed into half the time. With no discount at all, the dollar cost stays at $18,500 and the estimated APR jumps to about 174%. Dollars saved is the number that matters when you decide whether to pay early.
What moves the cost
- The factor rate sets the dollar cost. Each 0.01 on a $50,000 advance is $500 more in payback.
- Fees taken out of the funding raise the cost per dollar, because the payback stays the same while the cash shrinks.
- A shorter term leaves the dollar cost unchanged but raises the estimated APR, since you hand the money back sooner.
- An early-payoff discount only exists if your contract states one. Ask the funder for the payoff figure in writing.
- A second or third advance adds its own payment on top of the first. Check the combined debit with the stacked payment calculator.
To weigh two offers side by side, run each one here, then line them up with compare offers line by line.
Your numbers stay private
The checker runs inside your browser. What you type never leaves the page, and it's gone when you close the tab.
FAQ
What does the MCA cost checker measure?
It turns an offer into five numbers: total cost, cost per dollar received, an estimated APR, the daily or weekly payment, and what an early payoff would change.
Should I enter the payback or the factor rate?
Use the total payback from the contract if you have it. If the offer only shows a factor rate, leave payback blank and the checker multiplies the advance by the factor.
Why does paying off early raise the estimated APR?
APR is a yearly rate, so paying the same or a slightly smaller cost over fewer days lifts it. Look at the dollars saved to decide whether early payoff is worth it.
Why can my disclosure show a different APR?
State disclosure rules set their own method and assumptions about the term. This checker uses 252 business days or 52 weeks a year, so small gaps are normal.
Does every contract give a discount for early payoff?
No. Many advances are a purchase of future sales with a fixed payback, so the full balance is owed. Enter 0 unless the contract states a discount.
Is this a merchant cash advance calculator for my MCA rate?
Yes. This MCA calculator takes the amount, factor rate, fees and term and shows your payment, total payback and estimated APR. An MCA's rate is its factor rate, so compare the dollar cost of each offer.
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Want a second look at an offer?
Call 877-FUND-654 with any question about an offer. We call you back, and we always talk with you before we shop your file.