MCA Cost Calculator

Estimate the true cost of a merchant cash advance. Enter your advance amount, factor or total payback, and daily card split to see APR and term.

Advance Amount ($) Factor Rate (e.g. 1.32) Total Payback ($) Origination Fee (%) Card Split (% of card sales) Avg Monthly Card Revenue ($)

Revenue Sensitivity (0%)

Adjust to see impact if card revenue swings up or down. We assume 22 business days per month.

Total Payback—

Net Proceeds—

Total Cost—

Cost as % of Net—

Estimated Term—

Effective APR—