Small Business Financing

Merchant Cash Advance
True Cost Calculator

Find the real APR hidden inside your factor rate — before you sign.

Your Numbers

Your MCA terms
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How MCA factor rates work: A factor rate is multiplied by your advance to get total repayback. Unlike interest, it does not decrease as you repay — paying early saves you nothing on the total cost.

Results

Enter your advance amount, factor rate, and repayment term to see the true APR hidden inside your MCA offer.
Your MCA true cost
True annualized APR
The real annual cost of this advance
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Total repayment
Advance + all fees
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Total cost / fees
What you pay above the advance
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Daily payment
Estimated business-day debit
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SBA 7(a) loan equivalent
Cost on same amount, 7-yr term at 11.5%
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This calculator is for informational purposes only. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making business decisions.

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