Two perspectives. One clearer deal.
Free merchant cash advance calculator
Estimate your MCA payments, payback, and APR—or model funding, fees, and syndicator returns.
By I&S Accounting Svcs, LLC · Updated · No sign-up required.
Choose your calculator
Free to use. Switch views without losing your inputs.
MCA payments, payback & estimated APR
Enter your offer to see what you receive, what you pay back, and your estimated daily or weekly payment. Results update as you type.
Drag the slider or type the exact amount.
Merchant receives $50,000.00 after withheld fees.
Enter the factor rate from the offer.
Remittance frequency
Daily advances debit on business days only (about 21 a month).
189 daily remittances.
Add it to see how much of your monthly revenue the remittances take.
What it really costs
Total payback
$70,000
Cost of capital
$20,000
$0.40 per $1 received
Estimated APR · annualized cost
95.0%
Periodic cash-flow rate × 252 business days or 52 weeks per year, using net proceeds after withheld fees. This simplified illustration is not a statutory APR disclosure and does not model dated or variable collections.
- Each remittance
- $370.37 / day
- Number of remittances
- 189
- Leaves the account monthly
- $7,778
Estimates from the figures above, for comparison only — not tax, legal, or financial advice. Other fees, holdback terms, and early-payoff discounts vary; your signed agreement governs.
Funder & syndicator deal calculator
Powered by McaHawk · Funding, fees & each participant’s return.
Step 1 of 4
Start with the deal.
Sample figures · adjust them to your deal
From inputs to insight
How to use the MCA calculator
For merchants: compare your costs
Choose Costs & payments, then enter the advance, factor rate, withheld fees, term, and payment frequency. Compare the total payback, payment estimate, and annualized cost. Add monthly revenue to see the estimated share going toward payments.
For funders & syndicators: model your returns
- 1. Set the deal. Enter the advance, factor rate, expected term, and collection frequency.
- 2. Add funding fees. Enter origination fees and the ISO commission in dollars or percentages.
- 3. Add participants. Include each syndicator’s funding share, commission, and management fee, or model a funder-only deal.
- 4. Review the report. Compare cash required, net commissions, projected income, and each participant’s full-term ROI. Request an emailed PDF if you want a copy.
Your deal is the starting point
Keep the whole portfolio clear.
I&S provides MCA reconciliation and portfolio bookkeeping for U.S. funders and syndicators. Our McaHawk platform tracks participation, fees, and collections down to each deal, with records connected to LedgerHub.
Monthly bookkeeping includes CPA review of bookkeeping transactions. I&S is an accounting and bookkeeping firm; audit and assurance services are outside this scope.
Questions
Payments, APR & deal returns
Clear answers about merchant costs, payment estimates, and funder or syndicator returns.
Choose Costs & payments if you are a merchant comparing an advance: estimate total payback, daily or weekly payments, cost after withheld fees, and a simplified annualized cost for APR comparison. Choose Deal returns & ROI if you are a funder or syndicator modeling funding, commissions, management fees, and participant returns. Both are free without an account. The funder view also offers a PDF deal report; email is only needed to request delivery of that report.
A factor rate is the multiplier used to calculate the contracted payback on an advance. For example, a $50,000 advance at a 1.40 factor has a $70,000 total payback: $20,000 above the gross advance, before other fees. A factor rate does not express an annual cost or account for how quickly the money is collected.
No. A factor rate describes total payback relative to the gross advance. An annualized cost also reflects the timing of payments and the cash the merchant actually receives. This calculator estimates a periodic cash-flow rate and annualizes it using 252 business days or 52 weeks. Its estimated APR is a simplified comparison, not a statutory APR disclosure; actual dates, variable collections, and additional charges can change the result.
The merchant calculator spreads total payback across the estimated number of remittances, using about 21 business days per month for daily payments or 52 weeks per year for weekly payments. For example, $70,000 over nine months gives 189 daily remittances of about $370.37. This assumes equal payments; a sales-based holdback or reconciliation can change actual amounts and timing.
A withheld upfront fee reduces the cash you receive without reducing the contracted payback in this model. A $50,000 advance with a $2,000 withheld fee leaves $48,000 in merchant proceeds. If total payback is $70,000, the modeled cost is $22,000. Enter fees in the merchant view to include their effect on net proceeds and estimated annualized cost.
The money sent to the merchant at funding: gross advance minus the origination fee withheld. This model treats the ISO commission as a separate funder expense, not another deduction from the merchant.
Enter each syndicator's share as a percentage of the gross advance or a principal dollar amount. Their cash contribution is that principal plus a separately entered commission paid to the funder. The funder pays the ISO commission separately and retains origination fees.
Management fees apply to each syndicator's total collections. The fee is deducted from their share of each collection and retained by the lead funder. A percentage applies to gross collections; a fixed dollar amount is the fee over the entire deal, spread proportionally across collections.
Your deal inputs, merchant disbursement, funding summary, participant contributions, fees, projected receipts, and full-term ROI. The report is available in the Deal returns & ROI view. Download a PDF from the report screen and have a copy emailed to you. Newsletter subscription is optional.
Yes. Turn off Include syndicators and the funder holds 100% of the deal. Merchant disbursement, ISO commission, funding requirements, and projected returns still calculate.
No. It is a standalone illustration. McaHawk helps track deal-level participation, fees, collections, and portfolio records in an ongoing workflow connected to LedgerHub. Contact I&S to discuss your portfolio and agreed service scope.
This calculator is provided free by I&S Accounting as an educational tool. Results are estimates based on the figures you enter and standard remittance assumptions — they are not tax, legal, or financial advice, and they assume full collection of the scheduled payback. Defaults, holdback changes, early settlements, unentered fees, and actual payment timing can change the outcome. Use your signed agreement for the applicable terms.
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