MCA Offer Comparison Tool
Enter up to three offers to see them side by side on the same lines: the cash that reaches you, the total payback, the cost per dollar, the term, the weekly payment and an estimated APR. The cheapest offer and the lightest payment aren't always the same one, and the table shows both.
Calculator
Enter your numbers to see results.
Results are estimates. Funders set the actual terms. Nothing you type is stored or sent.
How the math works
For each offer: cash to you is the advance minus fees. Total payback is the advance times the factor. Cost is payback minus cash to you. Cost per dollar divides that by the cash. Weeks and the weekly payment come from the payment and schedule. The APR estimate uses the same method as the APR calculator.
Inputs and results
Cash to you
Cost per $1
Per week
Est. APR
A worked example
Offer 1: $40,000 at 1.36 with $1,200 in fees, $400 a day. Offer 2: $40,000 at 1.45, no fees, $1,450 a week. Offer 1 costs about $0.40 per dollar; Offer 2 about $0.45, but its weekly payment is lighter. Which fits depends on your slow month. See how to compare offers.
Your numbers stay with you
Nothing you type here is saved, sent or stored. The math runs in your browser and disappears when you leave the page.
When to use it
- You have two or more offers and each is written differently.
- One offer is bigger and the other is cheaper, and you're not sure which matters more.
- A renewal, a second position and a consolidation are all on the table.
Reading the results
Start with cost per dollar: it's the fairest single number for price. Then check the weekly payment against a slow week of deposits. If the cheapest offer has a payment you can't carry in a slow month, it isn't the cheapest for you. The estimated APR helps when the terms are very different lengths.
Want us to check the numbers with you?
Call 877-FUND-654 with any question. We call you back, usually the same business day, and we always talk with you before we shop your file.