Factor Rate to APR Converter
Merchant cash advances (MCAs) are quoted with a factor rate, not an APR. Use this converter to see what an offer really costs before you sign.
The lump sum you would receive up front.
The multiplier the provider applies to the advance. A 1.35 factor rate means you repay 1.35x what you receive.
How many months it would take to repay the full amount.
Comparison Estimate
77.6% APR
Based on a $50,000 advance at a 1.35 factor rate over 9 months.
Total Payback
$67,500
Cost of Capital
$17,500
Equiv. Monthly
$7,500/mo
Approximate APR assuming equal monthly payments. Actual MCA contracts use daily or weekly remittances, so treat this as a comparison aid, not a quote.
This calculator is for informational purposes only and based on self-reported information. Estimated amounts and rates are not offers, commitments, or guarantees of funding or approval. FundVett is a directory connecting business owners with independent funding specialists; FundVett is not a lender and does not make credit decisions. Actual terms depend on a full application, underwriting review, and the specific lender or program a specialist matches you with.
