Merchant Cash Advance Calculator – Get Instant MCA Loan Estimates
If your business needs quick capital, our MCA Loan Calculator helps you easily estimate your merchant cash advance (MCA) funding amount, factor rate costs, and repayment terms. MCA loans are a popular alternative for businesses looking to access fast, flexible funding without the hassle of traditional loans. Use this free tool to see how much you may qualify for today.
MCA Loan Calculator
Result:
Payment Amount:
Term (Total Payments):
Factor Rate:
How Does the MCA Loan Calculator Work?
Our MCA Loan Calculator is designed to give you an estimate of how much funding you can access and what your repayments will look like. Simply input the following details:
- Loan Amount: The funding amount your business needs.
- Factor Rate: The rate agreed upon by your lender, typically ranging from 1.10 to 1.50.
- Holdback Percentage: The daily or weekly percentage of sales used for repayment.
- Repayment Term: The expected term length for repayment, based on your sales volume.
The calculator then uses this information to estimate:
- Total Repayment: Your loan amount multiplied by the factor rate.
- Daily/Weekly Repayment: Your total repayment divided by the repayment ter
Why Use an MCA Loan?
Benefits of a Merchant Cash Advance:
- Quick Funding: Get approved in as little as 24-48 hours.
- No Collateral Required: Unlike traditional loans, MCA loans don’t require assets as collateral.
- Flexible Repayment: Payments are based on a percentage of your daily or weekly credit card sales, allowing for flexibility in times of low revenue.
- Bad Credit Accepted: MCA loans focus on revenue rather than credit score, making them accessible to businesses with poor credit histories.