Your Smart Tool to Compare Merchant Cash Advances
Estimate your repayment metrics, understand your true cost of borrowing, and compare multiple merchant cash advance offers in seconds.
Know Your Terms
Advance Amount
The total amount of capital you receive upfront from the MCA provider.
Payback Amount
A decimal number (e.g., 1.25) that determines how much you’ll repay for every dollar borrowed.
Factor Rate
The total amount of capital you receive upfront from the MCA provider.
Monthly Credit Card Sales
Your average monthly credit card sales, used to calculate how quickly you’ll repay your advance.
Holdback %
The percentage of your daily credit card sales automatically withheld to repay your advance.
MCA Calculator
Payback Amount: $0.00
Payment Amount: $0.00 per day
How to Use the MCA Calculator
Follow these simple steps to understand your true repayment structure and make smarter funding decisions.
Enter Your Advance Details
Input your advance amount, payback, and factor rate to start your estimate.
Add Your Sales Info
Enter your average monthly credit card sales and holdback percentage.
Click Calculate
Hit the “Calculate” button to generate instant repayment insights.
Review Your Results
See your estimated daily payment, total payback, and effective APR at a glance.
Understanding Your Results
Review your estimated daily payment, total payback, and effective APR to better understand the full cost and duration of your advance.
Approximate Days to Repay
The estimated number of days it will take to complete your repayment based on your sales and holdback %.
Total Payback
The full amount you’ll repay, combining the advance and associated fees..
Effective APR
The approximate annualized rate of your MCA — a useful way to compare with traditional funding options.
Cost on the Dollar
How much you repay for each dollar of advance.
Evaluating & Comparing Cash Advance Offers
Learn how merchant cash advances work, what affects your costs, and how to choose the offer that best fits your business.
FAQs
A Merchant Cash Advance is a form of business funding where you receive a lump sum of cash in exchange for a portion of your future credit card sales.
This is the estimated amount deducted from your daily sales to repay the advance.
The length of time it takes to repay the advance completely.
This represents the real cost of the advance once fees and factor rates are applied.
Need help comparing your results?
Our funding experts can help you interpret your MCA results and find the best advance for your business goals.