Tool

Merchant Cash Advance Calculator

Estimate merchant cash advance payback, holdback payments, payoff time, and effective APR from factor rate and card sales assumptions.

Before using a merchant cash advance

A merchant cash advance can provide fast funding, but factor rates and holdbacks can create a high effective APR. Compare the cash flow impact against a term loan, line of credit, invoice financing, factoring, or collecting receivables faster.

This calculator is an estimate for planning and comparison only. It is not financial, legal, accounting, or tax advice.