Which MCA calculator answers your question?
Owners and brokers: four MCA calculators. Pick the one you need.
These four free calculators turn merchant cash advance terms into plain numbers. One shows what a factor rate costs in dollars and APR. One works out daily, weekly or holdback payments. One adds stacked advances into a single leverage figure. One shows how example funder boxes read a file. Every formula is on its page.
By the Afterfirst Editorial Team · Updated
The calculators
- Factor rate calculator: total payback, dollar cost, cost per dollar received, simple annualized cost and an estimated APR.
- Funder fit checker: test a merchant file against five labeled example funder boxes and see which rules it meets and which rule leaves a box out.
- MCA payment calculator: work out a fixed daily or weekly debit, or a holdback share of sales, and see what it takes from your average daily deposits.
- Stacked payment calculator: add every open advance, see total daily debits as a share of deposits, what a new position adds, and days to clear.
How the calculators work
Each one runs in your browser. Nothing you type is stored or sent. Your numbers sit in the page address, so you can bookmark a result or send it to your broker. Every input is yours; no box is filled in with a sample number. Each page lists its formulas in plain text, with a worked example you can check by hand.
Results are estimates. Funders set the actual terms, and every offer is subject to funder underwriting.
FAQ
Which calculator should I start with?
Start with the factor rate calculator if you have an offer in hand. Use the payment calculator to see a debit against your deposits. Use the stacked calculator if you already carry an advance.
Are the results the same as an offer disclosure?
Not always. State disclosure laws set their own methods, so a disclosure can show a different estimated APR. Treat these results as a check, and ask the funder how its figures were worked out.
Do the calculators cost anything?
No. They are free, need no sign-up and store nothing.
Next step
Ready to see real terms? Call 877-FUND-654Email info@afterfirstmca.com, and we shop your file to funders whose programs fit. Each funder whose box fits sends its own offer in writing. New to the words? Start with the MCA glossary.A person replies within one business day.
Call 877-FUND-654Send one file.
See what fits.
Start a merchant cash advance application, or write to the desk. Afterfirst MCA is not a lender.
Or write to the desk at info@afterfirstmca.com
A person replies within one business day.