Merchant cash advance cost calculator
A factor rate of 1.3 sounds small — but annualized over a short payback it can be far more expensive than a term loan. Enter your numbers to see what an advance really costs.
What a merchant cash advance really costs
MCAs quote a factor rate, not an APR. Enter the numbers to see the true annualized cost.
- Total you repay
- $65,000
- Total fee
- $15,000
- Est. annualized cost
- 40%
≈ $344/business day. The annualized cost is an estimate; a shorter payback makes the effective rate higher.