Get an instant estimate of your merchant cash advance funding amount, repayment terms, and daily payments based on your business revenue.
$75,000
Based on 1.5x your monthly revenue
$90,000
Factor rate: 1.20
$454
Approx. $2,270/week
9 months
Flexible repayment based on revenue
Important Notes:
Complete application in 5 minutes • Approval in 24-48 hours
Adjust the sliders to match your monthly revenue, time in business, and estimated credit score.
Instantly view your potential funding amount, total repayment, and daily/weekly payment schedule.
Submit your application to receive an actual offer within 24-48 hours with funding in 2-5 days.
The funding amount is typically 1-2x your average monthly revenue. Businesses with stronger qualifications (higher credit scores, longer operating history) qualify for higher multiples.
Instead of interest rates, MCAs use factor rates (typically 1.15-1.40). This is multiplied by your funding amount to determine total repayment. Lower factor rates are offered to businesses with better qualifications.
Repayment is automatic through a percentage of your daily credit card sales or bank deposits. Payments adjust with your revenue—higher during busy periods, lower during slow seasons.
Most MCAs are repaid over 3-18 months depending on the advance amount and your daily revenue. Larger advances typically have longer terms to keep daily payments manageable.
The calculator provides estimates based on typical MCA terms. Your actual offer may vary based on complete application review, bank statements, and specific business circumstances.
No. The calculator is completely free and does not require any personal information or credit check. It's a planning tool to help you understand potential funding options.
Use your average monthly revenue over the past 3-6 months. MCA lenders review bank statements to determine your typical revenue patterns and seasonal fluctuations.
Yes. MCAs focus primarily on revenue, not credit score. Many businesses with FICO scores below 600 qualify based on consistent monthly sales. The calculator shows how credit score affects your factor rate and funding multiple.