Merchant Cash Advance Calculator
See exactly what an advance costs before you take one
Enter the advance amount, factor rate and term. You'll get your total payback, your daily or weekly payment, the cost of capital, and the estimated APR — the number most funders won't show you.
Results
Enter an advance amount, factor rate and term to calculate.
- Total payback
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- Daily payment
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- Cost of capital
- —
- Estimated APR
- — Actuarial rate on the declining balance, annualized
- Share of monthly revenue
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- Your commission
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Illustrative only — not an offer of financing. A merchant cash advance is a purchase of future receivables, not a loan, and actual terms depend on underwriting. Your final payback amount, payment and APR are disclosed to you in writing before you accept anything, consistent with applicable state commercial financing disclosure laws.
How the math works
Factor rate, APR, and holdback — in plain English
A factor rate is not an interest rate. Interest accrues over time, so paying a loan off early saves you money. A factor rate is a fixed multiplier applied once: at 1.30 on a $50,000 advance you owe $65,000 whether it takes four months or nine. That’s why the term length changes your APR dramatically but never changes your total payback.
APR translates the cost into a comparable number. Because you repay a little every day while the balance falls, the effective annualized rate is meaningfully higher than the raw 30%. That’s not a trick — it’s the same arithmetic behind every credit product, and it’s exactly what New York’s and California’s commercial financing disclosure laws require funders to show you at offer stage. A shorter term on the same factor rate means a higher APR.
Holdback is what actually determines whether the deal is survivable. A payment that consumes 8% of monthly revenue is usually manageable; one consuming 25% starves payroll. Enter your revenue above and the calculator flags it.
Same factor, different terms
| Term | Daily payment | Total payback | Est. APR |
|---|---|---|---|
| Enter an amount and factor rate to compare. | |||
The takeaway
Total payback is identical across every row. Only the payment size and the APR move. If your revenue can carry the payment, a longer term costs the same and hurts less — which is the opposite of how most people assume financing works.
Run your real numbers with underwriting
A calculator uses the factor you type in. We’ll tell you the one your business actually qualifies for.