MCA Calculator (Merchant Cash Advance)
Enter the advance, factor rate, holdback and daily sales to estimate total payback and how long repayment could take.
Results are estimates only — not an offer, approval or commitment to lend.
MCA Daily Repayment Estimator
A merchant cash advance repays as a small percentage of your daily sales, so payments flex with your volume. See what the daily remittance looks like and roughly how long payback takes.
Your Sales & Advance
Holdbacks commonly run 8% to 15% of daily card or bank sales. Factor rates commonly run 1.2 to 1.5.
The factor rate is total cost, not an interest rate — a 1.35 factor means you repay $1.35 for every dollar advanced. Slower sales stretch the payback period rather than raising the daily amount.
Estimate for planning purposes only. Actual holdback, factor rate, and term are set by the funding partner in underwriting.
What this calculator works out
This MCA calculator estimates merchant cash advance total payback, daily remittance and repayment time.
Every figure above is an estimate for planning only, not an offer. Actual terms depend on lender review of your business. Business-purpose financing only; no credit pull to explore.
Frequently asked questions
- How does the MCA calculator estimate payback?
- It multiplies the advance by the factor rate for total payback, applies your holdback percentage to daily sales for the daily remittance, and divides to estimate how many days repayment takes.
- Is a factor rate the same as an interest rate?
- No. A factor rate is a fixed multiple of the advance. Because repayment is often short, the equivalent annual cost can be much higher than the factor rate suggests.
- Are the results an offer?
- No. All results are estimates only, not an offer or approval. Actual terms depend on review of your business.
- Does using the calculator check my credit?
- No. It runs in your browser and there is no credit pull to explore.
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our strategic network of certified partner financial institutions, proprietary institutional investors, or specialized asset lenders. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.