Our Merchant Cash Advance Calculator simplifies the process of estimating your financing needs by allowing you to input essential variables. Click here to read our “How to Calculate a Merchant Cash Advance” FAQ.
Merchant Cash Advance Calculator
Funding Details
Understanding Your MCA Calculation
This calculator is designed to demystify the cost of a Merchant Cash Advance (MCA) or Working Capital Loan. Our goal is to provide full transparency so you can make an informed financial decision for your business.
Why We Show "Wholesale Rates"
The rate shown in the results as the "Wholesale Rate, or Buy Rate" is the base rate from the lender, before any broker commissions or fees are applied. We show you this foundational rate so you can see the true underlying cost of the capital.
MCA rates can vary wildly between providers. We strongly encourage you to use this tool to compare our wholesale rates against the final "retail" rate you are offered elsewhere. This will help you understand the total cost and the markup being applied.
Our Commission and Your Final Rate
As business finance consultants, we are compensated for our work in sourcing, negotiating, and managing the funding process. In most cases, we charge a variable commission that is added to the wholesale rate. This commission is always fully disclosed by your dedicated Loan Consultant before you sign any agreement. There are no hidden fees.
This calculator is for educational and illustrative purposes only and does not constitute an offer of credit or a guarantee of funding. The calculations are estimates based on typical industry standards. All rates, terms, and final approvals are subject to a full underwriting review by the lender and may change based on your business's specific financial profile. This is not a commitment to lend.
