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Free MCA Calculator: See the True Cost of Your Financing Offer

Take control of your financing decisions

Merchant cash advances (MCAs) can be confusing, costly, and often come with hidden fees that cloud your understanding of the true cost. Many MCA providers make it difficult to see how high these costs really are, leaving small business owners trapped in unfavorable deals. Our free calculator empowers you to decode the terms of your MCA offer and gain insight into its actual cost.

How our MCA Calculator Works

Simply enter the details of your MCA offer below to find out its Internal Rate of Return (IRR)—a key metric used by financial experts to assess financing costs. This tool offers a straightforward, transparent breakdown of your effective cost, often revealing insights that typical MCA providers would rather keep hidden.

Know the true price!
11.00%

This is the percentage you pay on top of what you receive. This is sometimes displayed as a decimal, and the right side of the decimal is equal to the percentage ie. 1.15 = 15%

Please enter the amount in USD. This is the advance that you will receive.

Enter any upfront charges to receive the financing, excluding the factor rate.

This is the percentage of your revenue that will be billed on a daily or weekly schedule.

6.00%

This is the percentage of your revenue that will daily/weekly revenue.

Estimate your average daily sales during the repayment period.

Why MCAs Can Trap Growing Businesses

  • ❌Accelerated Repayment: Paying faster without discounts increases your capital costs.
  • ❌Debt Traps: Ongoing financing needs can spiral, limiting future options.
  • ❌Creditworthiness Impact: Reliance on MCAs can hurt your credit, blocking access to better financing.

Ready to see the true impact of your MCA? Enter your email to unlock full results, including your exact cost of capital and estimated days to repay your advance.

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