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Merchant cash advance
MCA Calculator
Calculate your true Merchant Cash Advance costs in seconds. See daily payments, total cost, APR, and payoff timeline.
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Core Requirements
Advance Amount
$50K
Factor Rate
1.25x
Daily Payment
$750/day
Total Repayment
$62.5K
INSTANT ASSESSMENT
Quick Qualification Check
Get an instant estimate of your approval odds
INSTANT ASSESSMENT
Quick Qualification Check
Get an instant estimate of your approval odds
Enter Advance Amount
Start with your actual funding need
Don't borrow more than necessary
Most MCAs: $5,000-$1M range
Larger amounts = harder to qualify
Set Factor Rate
Typical range: 1.20-1.45
Good credit (680+): ~1.10-1.25
Fair credit (600-680): ~1.25-1.35
Poor credit (<600): ~1.35-1.50
Average Daily Sales
Calculate from last 3-6 months
Use credit card sales if applicable
Don't overestimate—be realistic
Account for seasonal dips
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
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We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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