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MCA Calculator

Merchant cash advance calculator.

Model the true cost of any MCA in 30 seconds. Enter advance, factor, and term — see daily debit, total payback, and APR-equivalent before you sign a contract.

Total payback$130,000
Total fee$30,000
Daily debit$1,032
Cost of capital30.0%
Approx. APR60.2%
How the MCA calculator works: Total payback = advance × factor rate. APR ≈ (factor − 1) × (365 / term days) × 100. This estimates annualized cost so you can compare MCAs against term loans, lines of credit, and SBA loans on a single yardstick. The actual effective APR runs higher because daily debits and front-loaded amortization compound the cost.
Next step

Your effective APR is 60%. See lower-cost options.

We'll route your inputs to lenders that fund this profile and email the top 2–3 offers. No credit pull.

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FAQ

MCA calculator, answered.

How is an MCA calculated?+

An MCA is calculated by multiplying the advance amount by a factor rate (typically 1.15–1.49) to get total payback. That payback is divided across the term — daily, weekly, or as a percentage of receipts — to set the remittance amount.

What's a good MCA factor rate?+

1.15–1.25 is strong (A–B paper), 1.26–1.35 is typical mid-market, 1.36–1.49 reflects higher risk or short term. Anything above 1.49 should be a renewal or stacking conversation, not a first position.

How do I calculate the APR of an MCA?+

APR ≈ (factor − 1) × (365 / term in days) × 100. A 1.30 factor paid back over 180 days is roughly 60% APR. Daily debits and front-loaded amortization push the effective APR higher than this estimate.

What's the daily payment on a $100,000 MCA?+

$100,000 × 1.30 factor = $130,000 payback. Over a 6-month (≈126 business day) term, the daily debit is about $1,032. Summit's calculator lets you adjust the factor and term to model your exact deal.

Can I pay off an MCA early?+

Sometimes. Some funders offer prepayment discounts (10–30% of the remaining fee); others charge the full payback regardless. Always confirm prepayment language before signing — Summit only routes to funders with documented early-payoff terms.