MCA Calculator — Warning: Very High Cost of Capital
This is EXPENSIVE — see the true APR before signing
⚠️ What is an MCA? A Merchant Cash Advance is NOT a loan — it's an advance on future credit card sales. The provider takes a percentage of your daily card receipts (the "holdback") until the advance plus factor fee is repaid.
The trap: MCAs often have effective APRs of 40-350%. A $100K MCA with a 1.49 factor rate means you repay $149K. If your daily holdback is 20%, every $1 you process, $0.20 goes to the MCA provider. You can be paying it off for 18+ months.
Who it's for: Businesses with no other options that need cash immediately. Almost always, a bank line of credit, SBA loan, or even a personal loan is cheaper.
MCA Terms
True Cost of This MCA
Total Repayment
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Total MCA Cost
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Effective APR
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Days to Repay
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Annual Cost
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Vs SBA Loan Savings
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MCA costs are estimates. Actual factor rates and holdback terms vary. MCA is not regulated like bank loans — get legal and financial advice first.