Free Tool

Merchant Cash Advance Calculator

Estimate your total repayment, daily remittance, payoff timeline, net funding after fees, and effective APR based on your business volume.

Advance Amount$50,000

The gross amount offered by the funder.

Factor Rate1.35

Common range: 1.15 to 1.49.

Holdback %12.00%

The % of daily card sales collected by the MCA company.

Average Monthly Card Sales$80,000

Use a realistic average from the last 3–6 months.

Origination / Closing Fee$1,500

Subtracted to show your estimated net funding.

Weekly Deposit Days5

Usually 5 if you process Monday–Friday.

Estimated Total Repayment

$67,500

Net Funding

$48,500

Daily Remittance

$320

Estimated Payoff

211 days

Estimated APR

67.8%

Disclaimer: This calculator provides estimates for informational purposes only. Actual factor rates, fees, holdback percentages, and payoff timelines vary by funder and business qualifications. Merchant cash advances are a purchase and sale of future receivables — not a loan. There is no fixed interest rate or APR. The APR shown is an estimate based on the inputs provided and does not represent a guaranteed or legally defined rate.

Deal Snapshot

Gross Funding$50,000

Origination Fee$1,500

Net Funding Received$48,500

Total Cost of Capital$19,000

Weekly Remittance$1,600

Payoff Time30.1 wks / 7.0 mo

Cash-Flow Strain8.7%

See What You Qualify For

Based on your numbers above, you may qualify for funding today. Get a real offer in minutes — no impact on credit score.

Step 1: Contact Info

Step 2: Deal Details

Business Owner Name *

Direct Phone *

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Business Name *

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