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MCA / Revenue-Based Funding Estimator

Estimate a monthly payment in seconds, then apply if it fits your business.

Illustrative Estimate
No Impact to Credit
Matched to Real Programs
Apply When Ready

What is a Merchant Cash Advance calculator?

A merchant cash advance (MCA) is structured differently from a traditional loan – instead of a fixed monthly payment, you repay a percentage of your ongoing sales until the advance (plus a fee) is paid off. This estimator provides a simplified, fixed-payment illustration purely so you can compare the rough cost against other funding types – it does not reflect how actual MCA repayment works.

Estimated total payback
Est. daily remittance
Est. weekly remittance

Illustrative estimate only — not how actual MCA repayment works. Real advance amounts, fees, and repayment structure depend on your business profile and the specific program you're matched to. Not a commitment to lend.

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What is the Merchant Cash Advance formula?

Because real MCA repayment flexes with your daily or weekly sales, there is no fixed “monthly payment” the way there is with a loan. This tool applies the standard amortizing loan formula to your inputs as a simplified stand-in for comparison purposes. In an actual MCA, your repayment amount rises and falls with your sales volume rather than following a fixed schedule.

Note on this estimate: Merchant Cash Advance pricing isn't structured as a fixed-rate amortizing loan in practice. This tool uses a simplified rate-and-term model as a rough proxy so you can compare scenarios — your actual offer will use the pricing structure specific to this funding type (e.g. factor rate, discount fee, or holdback) once matched to a program.

Frequently asked questions

Typically as a fixed percentage of your daily or weekly card sales or bank deposits, collected automatically until the advance and fee are repaid in full. Your funding specialist can explain the exact structure for a matched program.
This is a simplified illustration for comparison. Actual MCA repayment is typically a percentage of your sales, so it will vary with your revenue rather than following a fixed schedule.
Because repayment is typically a percentage of sales, slower sales periods generally mean slower repayment amounts, though specifics depend on your matched program.
No — real MCA repayment doesn't follow a fixed monthly payment schedule. This estimator applies the standard loan formula to your inputs as a simplified stand-in so you have a number to compare against other funding types.
Here, "term" approximates how long you expect it to take to repay the advance at your current sales pace. In an actual MCA, a faster or slower repayment period is a function of your sales volume, not a term you select up front.
The rate here stands in for the advance's fee cost. A higher fee raises the estimated total cost of the advance — real MCA pricing is usually expressed as a factor rate rather than an interest rate, so use this as a rough comparison, not a quote.
Yes, testing numbers here doesn't submit anything or affect your credit.
If an advance looks like it could work for your business, you can apply. A funding specialist matches you to an MCA program and explains the actual repayment structure based on your sales.

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