Stacked MCA Payment Calculator
How much of my deposits do all my advances take?
Your stacked payment load is every MCA debit added together and set against deposits: debits of $400 and $250 each business day total $14,300 over 22 business days, or 26% of $55,000 in monthly deposits.
A stacked payment calculator adds every merchant cash advance debit on one account. It turns daily and weekly payments into one daily figure and divides it by your average daily deposits. That ratio is often called leverage. It shows how much of each deposit dollar goes to advances now, and after a new one.
Calculator
Enter your numbers to see results.
Results are estimates. Funders set the actual terms, and every offer is subject to funder underwriting. Nothing you type is stored or sent; the page address holds your numbers so you can share them.
How much of $55,000 in monthly deposits do two advances take?
Example only, with round numbers so you can check the math by hand. They are not typical terms and not a quote; the funder sets the real terms.
Two open advances: $400 each business day with $18,000 left, and $250 each business day with $9,000 left. The business deposits $55,000 a month over 22 business days, is debited 5 days a week and is weighing a third advance at $300 a business day.
| Step | The math | Result |
|---|---|---|
| Total daily debits | 400 + 250 | $650.00 |
| Average daily deposits | 55,000 ÷ 22 | $2,500.00 |
| Leverage now | 650 ÷ 2,500 | 26.0% |
| Leverage with a third advance | (650 + 300) ÷ 2,500 | 38.0% |
| Remaining payback | 18,000 + 9,000 | $27,000.00 |
| Business days until both clear | 18,000 ÷ 400 | 45 |
Before the new advance, 26 cents of every deposit dollar go to advances. A third debit raises that to 38 cents, and it keeps coming out after the first two clear. Load this example into the calculator, then replace it with your own advances.
Carrying more than one advance? List every position, then Apply now. Only funders whose programs take that stack see your file, and the Consolidation page covers one way to lower the total debit.
What does a slow month do to a stacked payment?
Fixed debits stay the same when deposits fall. Here are the same two advances in a month with a quarter less coming in: $41,250 over 22 business days.
| Month | Average daily deposits | Leverage now | With a third advance |
|---|---|---|---|
| Normal month, $55,000 | $2,500.00 | 26.0% | 38.0% |
| Slow month, $41,250 | $1,875.00 | 34.7% | 50.7% |
In the slow month, the three debits take just over half of every deposit dollar before rent, payroll or suppliers are paid. A stack fits only if it still works in your slowest month. If it doesn't, ask each current funder about reconciliation, or check whether a consolidation lowers the total debit.
What you enter
List each open advance on its own row. Every box is your input.
- Payment and schedule: the debit amount, and whether it's pulled each business day or once a week.
- Balance left to pay: from your latest statement or a payoff letter.
- Monthly actual deposits: revenue deposits only, without transfers between your accounts, funding proceeds or refunds.
- Business days in the month and debit days per week: from your own bank calendar.
- Proposed new payment: optional, to see what one more position would add.
The tool doesn't read your average daily balance or NSF count. Funders look at both, so keep them at hand.
The formulas
- Daily equivalent of each debit: a daily debit counts as is; a weekly debit counts as weekly payment / debit days per week
- Total daily debits: the sum of every daily equivalent
- Average daily deposits: monthly actual deposits / business days in the month
- Leverage now: L = total daily debits / average daily deposits
- Leverage with the proposed advance: (total daily debits + new daily equivalent) / average daily deposits
- Remaining payback: the sum of every balance left to pay
- Business days to clear each advance: its balance / its daily equivalent. The last one to clear sets when all are done, at current debits.
Contract clauses to check before another position
Leverage is only part of the picture. Read these clauses in each current contract before you sign a new one. Each links to its entry in the MCA glossary.
- Anti-stacking clause: whether a new advance breaks an existing contract.
- Reconciliation: how a holdback payment is adjusted when sales fall.
- Event of default: what the contract treats as a default, and what follows.
- Confession of judgment: whether the contract includes one, and where it could be used.
- Position: where a new advance would sit behind the ones you have.
The Stacking and positions guide covers how funders read a stacked file.
FAQ
What leverage is too high?
The tool doesn't draw a line. Each funder sets its own limit, and the limits differ. The number shows what share of your deposits already goes to advances, so you can weigh it against your other bills.
Why convert weekly debits to a daily figure?
Adding daily and weekly amounts together as is would mix periods. Dividing a weekly debit by the debit days in a week puts every advance on the same footing.
Can a stacked file still get offers?
It depends on each funder's box. List every open position in your file. Our team sends your file only to funders whose box allows that many positions. Offers stay subject to funder underwriting.
Is anything I enter kept?
No. The math runs in your browser and nothing is stored or sent. Your numbers live in the page address only.
Send one file.
See what fits.
Call 877-FUND-654 with questions.