Factor Rate → APR.

MCA factor rates hide the true annualized cost. Enter the deal terms to see what you're actually paying.

Advance amount ($)Factor rate (e.g. 1.30)Repayment period (days)

Total payback$130,000

Total fee$30,000

Approx. APR60.8%

How this works: APR ≈ (factor − 1) × (365 / days) × 100. This is an approximation — it doesn't include compounding effects of daily debits or the front-loaded nature of MCA repayment, which push the effective APR higher. The number is meant for apples-to-apples comparison against a term loan rate.

Factor Rate → APR.

Your effective APR is 61%. See lower-cost options.