Factor rate
Multiply the advance amount by the factor rate to estimate the total purchased receivables. A factor rate is not the same thing as an APR.
Merchant Cash Advance Calculator
Understand your MCA payment pressure before choosing your next step.
A merchant cash advance calculator can help you organize the advance amount, factor rate, total purchased receivables, and payment schedule. Use the estimate as a starting point—not as legal, tax, or financial advice.
Use the Free Assessment →What an MCA calculator should show
A useful estimate makes the repayment obligation easier to understand instead of hiding it behind a single “approval” number.
Total payback
Compare the amount received with the contracted total payback. Review the contract and fee language with a qualified professional.
Payment pressure
Compare daily or weekly withdrawals with average business cash flow, payroll, taxes, and operating costs.
Important: The assessment on this website is an estimate and eligibility tool. It does not calculate a legally binding settlement amount or predict what a lender will accept.
Simple MCA calculation example
| Input | Example | What it means |
|---|---|---|
| Advance received | $50,000 | Amount provided to the business |
| Factor rate | 1.40 | Illustrative total payback is $70,000 |
| Payment schedule | Daily or weekly | Withdrawal frequency affects cash flow |
This is an illustrative example only. Actual contracts, fees, reconciliation terms, payment amounts, and legal rights vary.