MCA Calculator
See what a merchant cash advance really costs — total payback, true cost, daily payment, and what it does to your cash flow. Built by an ex-funding-industry founder. We're not a lender.
How to read your results
You repay is the advance × the factor rate — fixed the day you sign. Cost of capital is the fee in plain dollars: what using this money costs you. Daily payment is the payback spread over the term — it comes out every business day, before rent, payroll, or inventory.
The number funders never print is the annualized cost: the same fee expressed the way a loan would state it. Because MCAs repay fast, a "small" factor rate usually annualizes to a very large rate — a 1.4 over four months is roughly 87% a year. If that math is new to you, read our plain-English guide to factor rates.
And if you're being offered a renewal — where a new advance pays off your old balance — there's a second hidden cost most owners never see. Run it through the renewal calculator before you re-sign.
The number that decides everything: your daily burden
Whether a deal is survivable isn't about the factor rate — it's about the daily payment as a share of your average daily revenue. Under ~15%, most businesses manage. Above ~20%, one slow month can mean choosing between the payment and payroll. Enter your monthly revenue in the calculator above and it'll show you where you land.
Your real daily revenue is usually lower than you think — bank deposits include transfers, loans, and prior advances that aren't revenue. That's exactly what the full AuditDeal analysis strips out.
Common questions
How do I calculate an MCA payment?
Total payback (advance × factor rate) divided by the number of payment days in the term. A $50,000 advance at 1.4 over 120 business days: $70,000 ÷ 120 = $583.33 per business day.
What's a good factor rate?
Common quotes run 1.2–1.5. "Good" depends less on the rate and more on the term and your margins: 1.2 repaid in 60 days annualizes to ~87% — the same as a 1.4 over 120 days. Always annualize before comparing to any other financing.
Does repaying early make an MCA cheaper?
Usually not — the payback is fixed by the factor rate regardless of speed. Some contracts include early-payoff discounts; it must be in writing.
Can I check a real offer against my actual bank activity?
Yes — that's the full AuditDeal analysis. Upload statements and the offer; you get real revenue, true cost, daily burden, and a slow-month stress test in about a minute. The preview is free; the complete report is a one-time $24.99.