Calculator
Merchant Cash Advance Calculator
Work out what an advance actually costs before you apply. Most lenders in this category will not put a number on a page — the arithmetic is not complicated, and you are entitled to see it first.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
The payment estimator
See what a payment looks like before you apply.
Most lenders will not put a number on a page. The arithmetic is not complicated, and you are entitled to see it before you hand over a phone number rather than after.
Estimated monthly payment
$10,833
- You receive
- $75,000
- Factor rate
- 1.30
- You repay in total
- $97,500
- Over roughly
- 9 months
Comparing offers
The number worth comparing between offers is the total dollar repayment, not the factor rate and not the daily payment. Two offers at the same rate over different terms cost you the same in total but very different amounts per week.
Cost of $50,000, by product
Comparing an advance against a loan or a line of credit? See what $50,000 costs on each of the four products.
FAQ
How the numbers work.
- What is a factor rate?
- A factor rate is a multiplier, not an interest rate. At 1.30 you repay 1.3 times what you receive — $50,000 advanced means $65,000 repaid in total. Unlike interest it does not accrue over time, so repaying early does not reduce what you owe.
- How is a factor rate different from APR?
- APR expresses cost as an annual percentage and falls if you repay early. A factor rate is fixed at the outset and does not. Because advances are repaid over months rather than years, the equivalent APR is usually much higher than the factor rate makes it look — which is exactly why the total dollar figure is the number worth comparing.
- What factor rate should I expect?
- Commonly between 1.1 and 1.5. Stronger revenue, longer trading history and consistent deposits push it toward the lower end. Anyone quoting you a rate before seeing bank statements is guessing.
- Is the calculator an offer?
- No. It is arithmetic on an illustrative factor rate so you can see the shape of the cost. Real pricing comes from a lender after they read your file.
Guides
Guides on this
Can you get business funding with a 580 credit score?
Yes. Revenue-based funders approve businesses in the 500s routinely, because they underwrite on your bank deposits rather than your personal credit file. A 580 score rules out bank loans and most lines of credit, but it does not rule out a merchant cash advance, working capital, or equipment financing.
Payroll is Friday and you are short. What funding arrives that fast?
A merchant cash advance or short-term working capital loan are the only two options that reliably fund inside a week. Both decide in hours and fund in one to three business days. Applying on a Monday for a Friday payroll is tight but achievable; applying on Thursday is not.
What factor rate should you expect on a merchant cash advance?
Commonly between 1.1 and 1.5. Stronger revenue, longer trading history and consistent deposits push toward the lower end. At 1.3, a $50,000 advance means repaying $65,000 in total. Anyone quoting a rate before reading your bank statements is guessing.
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K