Merchant cash advance calculator

Calculate your merchant cash advance (MCA) repayments using the calculator below. Enter the amount you would like to borrow, the factor rate, and the amount your business takes in card sales each month to see an example repayment amount.

Page written by AI. Reviewed internally on April 2, 2024.

What affects the term of my merchant cash advance?

The term, or length of time, of a merchant cash advance can be affected by several factors, including:

  1. The amount of funding: Typically, the higher the funding amount, the longer the term will be.

  2. The repayment terms: Merchant cash advances are usually repaid through a fixed percentage of the business’s daily credit card sales. The percentage and the duration of the repayment period can affect the term of the advance.

  3. The business’s creditworthiness: If the business has a strong credit score and financial history, it may qualify for a longer term.

  4. The purpose of the advance: If the merchant cash advance is being used for a specific purpose, such as purchasing new equipment or expanding the business, the term may be longer to allow for a longer repayment period.

  5. The lender’s policies: Different lenders have different policies and may offer different term lengths based on their risk assessment and business model.


This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

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Total loan repayment


Daily average repayment


Repaid in (approx.)

- days

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