Receive the advance
The business receives a lump sum within business days. No real estate collateral or hard assets are typically required.
Free Tool
Merchant Cash Advance Calculator
Adjust the advance amount, factor rate, and repayment term to estimate your daily, weekly, and monthly payments. Results are educational and do not constitute a financing offer.
Adjust Your Scenario
Advance Parameters
Lump sum the business receives upfront
Multiplier applied to the advance; determines total repayment
Your Estimated Payments
Scenario Summary
Total Repayment$50,000 × 1.35
Daily5 days/wk
Weekly×5 bus. days
Monthly20 bus. days
Total Cost of CapitalTotal repayment minus advance amount
* Educational estimates only. Assumes 20 business days/month and 5 days/week. Actual terms vary by provider.
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Understanding Merchant Cash Advances
An MCA is not a traditional loan. It is an advance against a business's future sales, repaid through a percentage of daily or weekly revenue.
Factor rate is applied
The factor rate (e.g., 1.35) sets the total repayment. Receive $50,000, repay $67,500 total — regardless of how quickly you pay.
Automatic daily or weekly remittances
Repayments are automatically debited 5 business days per week until the agreed-upon total has been reached.
Frequently Asked Questions
What is a factor rate?
A factor rate is a fixed multiplier applied to your advance amount to determine the total repayment. Unlike interest, it does not compound over time. A factor of 1.35 on a $50,000 advance means you repay $67,500 total, regardless of how quickly you pay.
How are daily and weekly payments calculated?
This calculator assumes 20 business days per month and 5 business days per week. Monthly payment = Total repayment ÷ Term. Daily = Monthly ÷ 20. Weekly = Daily × 5. Actual schedules depend on your provider agreement.
Are these estimates guaranteed?
No. This calculator provides educational projections only. Actual MCA terms — including advance amounts, factor rates, and repayment schedules — depend on your business revenue, industry, and the independent provider's underwriting criteria.
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