Funding calculator
See what an advance or loan really costs — total payback, payment size and an APR-equivalent — before you talk to anyone.
Illustrative estimate only — not an offer. Real terms depend on underwriting. The APR equivalent assumes level payments over the full term and excludes fees; MCAs are not loans and aren't priced in APR, but the figure helps you compare.
How to use this calculator
Merchant cash advances are priced with a factor rate rather than an interest rate. Multiply the amount by the factor rate to get your total payback: a $100,000 advance at 1.30 means $130,000 repaid. The shorter the term, the higher the effective annual cost — which is why the APR-equivalent rises when you shorten the term at the same factor rate.
For term loans, the calculator uses standard amortization: a fixed monthly payment covering interest and principal. Compare total payback and payment size against your cash flow, not just the headline rate. Learn more in our guides to factor rates, total payback vs. APR and comparing offers.
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