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Merchant cash advance
Merchant Cash Advance Calculator
Use this merchant cash advance calculator to estimate total repayment, total cost, effective APR, and payoff timeline in seconds before you accept an offer.
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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.
How do I use the MCA calculator to find my total repayment cost?
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Inputs needed: (1) Advance Amount (e.g., $100,000). (2) Factor Rate (e.g., 1.25). (3) Term (e.g., 24 months). Output: Total Repayment = $125,000. Total Cost = $25,000. Since we use fixed payments, you don't need to guess your "daily sales" or "holdback rate." The math is simple and transparent.
How do I convert an MCA factor rate to APR to compare it to a bank loan?
With our 12–36 month terms, the APR calculation is much more favorable than short-term MCAs. Formula: ((Total Cost / Advance) / Years) x 100. Example: $100,000 Advance, 1.25 Factor ($25,000 cost), 2-Year Term. $25,000 cost ÷ 2 years = $12,500 per year. $12,500 ÷ $100,000 = 12.5% Simple Annual Interest equivalent. Note: APR formulas vary, but this simple interest view shows why longer terms make MCA costs comparable to traditional loans.
What factor rate should I expect based on my credit and revenue?
Excellent (680+ credit, strong revenue): factor 1.15–1.20 (terms up to 36 months). Average (640–679 credit): factor 1.20–1.30 (terms 18–24 months). Fair (600–639 credit): factor 1.30–1.45 (terms 12–18 months).
How does the term length affect my payment size?
This is the BestLoanUSA advantage: a $50,000 advance (1.25 factor) = $62,500 payback. A competitor (6-month daily) is roughly ~$500 every single day, while BestLoanUSA (24-month monthly) is roughly ~$2,600 per month (approx. $650/week). The longer term drastically reduces the pressure on your weekly cash flow.
Should I take a larger advance at a better rate or a smaller advance?
Only borrow what you need to drive growth. While larger amounts might qualify for a slightly lower factor rate (e.g., 1.20 vs 1.25), the total debt obligation is higher. Use our calculator to see the monthly payment impact. Since our payments are fixed, ensure the monthly amount fits comfortably within your net cash flow.
What is a 'good' MCA cost?
With our 12–36 month structure: great deal is typically factor 1.15–1.20 over 24+ months, standard deal is typically factor 1.20–1.35 over 18–24 months, and it’s not worth it if the factor is above 1.45 and the term is under 12 months (we don’t offer these predatory terms). Always compare the total cost against the profit the funds will generate.
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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