Merchant Cash Advance Calculator
Calculate your total payback, daily payments, and convert factor rates to effective APR to understand the true cost.
MCA Details
Cash advance you receive
Multiplier (e.g., 1.30 = 30% cost)
Your typical daily credit card revenue
Your Results
Total Payback
$65,000.00
Total amount you'll repay
Daily Payment
$375.00
Withheld from card sales
Est. Payoff Time
5.8 months (174 days)
Based on avg daily sales
Note: The effective APR of 62.93% is significantly higher than traditional financing. MCAs are best suited for short-term capital needs when other options aren't available.
| Advance Amount | $50,000.00 |
| Factor Rate | 1.30 |
| Avg Daily Card Sales | $2,500.00 |
| Daily Holdback | 15.00% |
| Daily Payment | $375.00 |
| Total Cost (Fee) | $15,000.00 |
| Total Payback | $65,000.00 |
Effective APR: 62.93%
This is an estimated annualized rate for comparison with traditional loans. Actual cost depends on repayment speed.
These calculators provide estimates for informational purposes only. Actual rates, terms, and fees will vary based on your specific situation and lender requirements.
These estimates do NOT constitute financial advice. These calculations do NOT take into account current market conditions, lender-specific criteria, or your complete financial situation.
These estimates should NOT be used as the sole basis for any financing decision. Liminal Lending Co. is NOT responsible for any outcomes resulting from these estimates or any decisions made based on them.