Merchant Cash Advance Calculator & Cost Estimator -

💰 Currency

⚡ Merchant Cash Advance Calculator & Cost Estimator

Estimate your MCA total payback, financing cost, repayment amount, number of payments, and estimated repayment period.

MCA Advance Amount Required

Factor Rate 1.00 or higher — not an interest rate

Origination Fee (%) Optional

Average Daily Sales Sales amount for selected repayment period

Holdback Percentage (%) Percentage of sales used for repayment

Repayment Frequency Collection frequency

📊 Estimated MCA Summary

ESTIMATE

MCA Advance

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Total Payback

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Factor-Based Cost

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Origination Fee

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Net Proceeds

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Estimated Payment

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Estimated # Payments

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Estimated Repayment Period

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Effective Cost %

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Cost on Net Proceeds

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What these mean: Total payback is the MCA advance multiplied by the factor rate. Factor-based financing cost is the total payback minus the advance. The estimated payment is based on sales multiplied by the holdback percentage.

📐 Calculation Steps