mca payment calculator
enter any advance amount, factor rate, and estimated term to see the total payback, the cost of capital, and what the daily or weekly payment looks like. everything runs in your browser and nothing is an offer — actual terms come from the funder underwriting your file, with any disclosures your state requires.
for illustration only — not an offer
- total payback
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- cost of capital
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- daily payment
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- payments per month
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shorter terms mean larger payments and a higher effective annualized cost at the same factor rate. the mechanics — holdback, reconciliation, renewals — are covered in how an mca works.
what the numbers mean
an mca has no interest rate. the funder buys a fixed amount of your future revenue — the advance amount times the factor rate — and collects it through automatic debits. the cost is set the day you sign: a $50,000 advance at a 1.3 factor means $65,000 repaid, whether that takes 6 months or 14. that is why the estimated term matters so much: the same cost compressed into a shorter window means a much larger share of your daily revenue goes to the remittance.
before you take any offer, run these three checks: the total daily debit across all positions against your average daily revenue; the payback as a share of your monthly deposits; and whether the contract includes a reconciliation clause that lets the payment adjust if revenue drops. our bank statements guide shows what funders see when they run the same math on your file.
frequently asked questions
how accurate is this calculator?
it does the arithmetic exactly, but every number in it is one you entered. actual advance amounts, factor rates, and terms are set by the funder underwriting your file and vary with your revenue, position count, and time in business. treat the output as a way to understand the mechanics, not as a quote.
what factor rate should i type in?
factor rates in this industry commonly run somewhere between the low 1.2s and the high 1.4s depending on file strength, position, and term — but the honest answer is that you should not assume any number until a funder reviews your statements. try a few values and watch how the cost moves.
why is there no interest rate or apr field?
an mca is a purchase of future receivables, not a loan, so it has no interest rate — the cost is a fixed total set by the factor rate. annualized cost comparisons depend heavily on how fast you repay, which is exactly why short estimated terms make advances expensive relative to their factor rate. our how-mca-works guide covers this in depth.
does the calculator send my numbers to anyone?
no. it runs entirely in your browser. nothing you type here is stored or transmitted.
want real numbers instead of illustrations?
three months of bank statements and an ID. we'll tell you what range and terms your file actually supports — including when the answer is to wait.