MCA Payment Estimator
See what a merchant cash advance could really cost before you sign. Move the sliders, then get matched with a vetted specialist who can help you find a better deal.
Drag to set the advance amount. MCAs typically range from $5,000 to $500,000.
The cost multiplier. A 1.28 factor rate means you repay $1.28 for every $1.00 advanced.
Typical MCA repayment terms run 3 to 18 months.
Estimated Total Payback
$64,000
Based on a $50,000 advance at a 1.28 factor rate, repaid over about 198 business days.
Advance Amount
$50,000
Cost of Capital
$14,000
Est. Daily Payment
$323.23/day
Example assumes equal daily payments over about 22 business days per month. A merchant cash advance is not a loan: it has no APR and no monthly amortizing payment.
This calculator is for informational purposes only and based on self-reported information. Estimated amounts and payments 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 provider a specialist matches you with.
