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Merchant Cash Advance Calculator

Merchant Cash Advance Calculator to estimate total payback, cost of capital, daily payment, repayment period, effective APR, and remaining balance of a merchant cash advance.

Merchant Cash Advance Calculator

MCA Advance Amount
Factor Rate
Repayment Method
Fixed Daily Payment Sales Holdback
Fixed Daily Payment
Average Monthly Sales
Holdback Percentage
%
First Payment Date
Repayment Schedule
Show By Month Show By Year

Merchant Cash Advance Summary

Advance Amount:
$50,000.00
Factor Rate:
1.30x
Total Payback:
$65,000.00
Cost of Capital:
$15,000.00
Cost as % of Advance:
30.00%
Estimated Daily Payment:
$500.00
Estimated Monthly Payment:
$10,500.00
Estimated Payback Period:
7.0 months
Estimated Payoff Date:
Feb, 2027
Estimated Effective APR:
84.23%

Merchant Cash Advance Repayment Schedule

Payment Date Payment # Payment Amount Total Paid Remaining Payback
Aug, 2026 1 $10,500.00 $10,500.00 $54,500.00
Sep, 2026 2 $10,500.00 $21,000.00 $44,000.00
Oct, 2026 3 $10,500.00 $31,500.00 $33,500.00
Nov, 2026 4 $10,500.00 $42,000.00 $23,000.00
Dec, 2026 5 $10,500.00 $52,500.00 $12,500.00
Jan, 2027 6 $10,500.00 $63,000.00 $2,000.00
Feb, 2027 7 $2,000.00 $65,000.00 $0.00

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