Merchant Cash Advance Calculator
Estimate the total payback, payment amount and true cost of a merchant cash advance before you apply.
Your estimate
| Total payback | — |
| Cost of funding | — |
| Daily payment | — |
| Number of payments | — |
| Estimated APR | — |
Estimates only. Actual offers depend on underwriting and may include fees. APR is estimated assuming equal payments starting one period after funding.
Apply for This AmountHow to read your results
Total payback is the advance amount multiplied by the factor rate — the total you'll pay over the life of the advance. Cost of funding is the difference between what you receive and what you pay back.
Estimated APR converts the cost into an annual rate so you can compare a merchant cash advance with a loan or line of credit. Shorter terms produce higher APRs for the same factor rate.
A merchant cash advance makes sense when the money earns or saves more than it costs. For example, if a $50,000 advance costing $15,000 lets you take a job that earns $40,000 in profit, the funding pays for itself. Learn more in our factor rate guide.