Enter the advance, factor rate and term to see your total payback, your daily or weekly payment and the equivalent APR. Two more tabs test how much of your revenue the payments take and compare any new plan you are offered.
Last updated October 20, 2026 · Expert review by Kate Morgan, debt relief specialist (20+ years)
Total payback
$69,000Estimated monthly MCA payments
$39,600Monthly cash freed up
$0Educational estimate only. Nothing you enter is stored or sent.
A merchant cash advance is priced with a factor rate. You multiply the advance by the factor to get the total payback, and that cost is fixed no matter how fast you repay. Because most advances are repaid in a few months, the same factor rate is far more expensive than it sounds.
Advance × factor rate. A $50,000 advance at a 1.38 factor rate costs $69,000 in total, or $19,000 for the money.
Total payback ÷ number of payments. Over 7 months of business days (about 152 debits), that is roughly $454 every business day.
The rate that makes those payments worth the advance today. For this example it is about 116%, and about 128% if $1,500 in fees comes out up front.
Estimated APR for an advance repaid in equal daily debits over business days, with no upfront fees. Shorter terms make the same factor rate much more expensive.
| Factor rate | 4 months | 6 months | 9 months | 12 months |
|---|---|---|---|---|
| 1.15 | 85% | 57% | 38% | 29% |
| 1.25 | 137% | 92% | 62% | 46% |
| 1.35 | 188% | 126% | 84% | 63% |
| 1.45 | 236% | 158% | 106% | 79% |
Fees deducted from the funding, such as origination or underwriting fees, push the APR higher because you receive less money for the same payments.
Restructuring offers, consolidation loans and reverse consolidation all promise a lower payment. Enter the proposed weekly payment, the number of weeks and any fees. The calculator shows how much cash you free up each month and how the total compares with what you owe today.
A lower payment over a much longer term can cost more in total. A plan that lowers the payment and keeps the total close to your remaining balance is usually the better deal.
Multiply the advance amount by the factor rate to get the total payback, then subtract the advance to get the cost. A $50,000 advance at 1.38 costs $19,000. Divide the payback by the number of daily or weekly debits to get the payment.
APR depends on how fast you repay. Find the periodic rate at which the stream of payments is worth the amount you actually received, then multiply by the number of payment periods in a year. The calculator does this for you; a 1.35 factor over 6 months of daily debits is roughly 126% APR.
Factor rates are commonly quoted between about 1.1 and 1.5. The real cost depends on the term, fees and whether the advance is renewed before it is paid off.
Usually not. The total payback is fixed by the factor rate, so paying early does not reduce it unless your agreement includes an early-payoff discount. Check the contract.
Some advances are repaid as a percentage of daily card sales, called the holdback or retrieval rate, instead of a fixed debit. Many agreements also include a reconciliation clause that lets you ask for payments to be adjusted to your actual sales.
No. It is an educational estimate based on the numbers you enter. It does not store your inputs and is not a loan, a quote or financial advice.
The review is free and confidential. Bring your agreements and recent bank statements.
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