Free MCA Payment Calculator
MCA Payment Calculator
Calculate your exact daily or weekly payments before you sign. Avoid payment shock.
Understand the true cost of your merchant cash advance and plan ahead.
Accurate daily & weekly breakdowns
See total cost & APR
Plan your cash flow
Payment Calculator
Enter your MCA terms to calculate payments
Typical range: 1.10 - 1.50
Payment Breakdown
Enter your MCA terms to see payment calculations
Compare Different Scenarios
See how different terms affect your total cost
| Scenario | Factor Rate | Term | Daily Payment | Total Cost | APR |
|---|---|---|---|---|---|
| Good Deal | 1.15 | 12 months | $460 | $7,500 | 15% |
| Average Deal | 1.25 | 9 months | $595 | $12,500 | 33% |
| Poor Deal | 1.40 | 6 months | $875 | $20,000 | 80% |
*Based on $50,000 funding amount. Your actual terms may vary.
Understanding MCA Payments
Payment Shock Warning
Many businesses underestimate the impact of daily MCA payments on cash flow. Before signing:
- Ensure you can maintain the schedule during slow periods
- Account for seasonal fluctuations
- Consider impact on other expenses
- Understand consequences of missed payments
- Have a plan for early payoff if possible
Book a one-on-one session with our experts to optimize your MCA payments.