{"id":36231,"date":"2022-04-13T13:10:41","date_gmt":"2022-04-13T13:10:41","guid":{"rendered":"https:\/\/swoopfunding.com\/za\/?page_id=36231"},"modified":"2026-03-12T08:37:48","modified_gmt":"2026-03-12T08:37:48","slug":"merchant-cash-advance-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/za\/business-loan-calculator\/merchant-cash-advance-calculator\/","title":{"rendered":"Merchant cash advance (MCA) calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"36231\" class=\"elementor elementor-36231\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d216b8 e-flex e-con-boxed e-con e-parent\" data-id=\"3d216b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5398a0d elementor-widget elementor-widget-template\" data-id=\"5398a0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"44399\" class=\"elementor elementor-44399\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59777d7f e-flex e-con-boxed e-con e-parent\" data-id=\"59777d7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4f595eba e-con-full e-flex e-con e-child\" data-id=\"4f595eba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fff2cc2 elementor-widget elementor-widget-heading\" data-id=\"6fff2cc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Merchant cash advance (MCA) calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5156e6 elementor-widget elementor-widget-text-editor\" data-id=\"3a5156e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCalculate 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.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2993705c elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"2993705c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a 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id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d20dcba e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7d20dcba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d17d405 elementor-widget elementor-widget-image\" data-id=\"2d17d405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-44398\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2026\/03\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d6471d e-flex e-con-boxed e-con e-parent\" data-id=\"2d6471d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7e9fba elementor-widget elementor-widget-ucaddon_aivoov_player\" data-id=\"e7e9fba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_aivoov_player.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t<div class=\"aivoov-player-block\">\n\t<div class=\"read_this\">Read this article to me<\/div>\n\t\t\t<style>\n\t\t\t.plyr__controls .plyr__controls__item:first-child{\n\t\t\t\tbackground:#2e9c8e !important;\n\t\t\t}\n\t\t\t:root{\n\t\t\t--plyr-color-main:#2e9c8e;\n\t\t\t--plyr-audio-controls-background:#f0f2f4;\n\t\t\t--plyr-audio-control-color:#546a7b;\n\t\t\t}\n\t\t\t[data-plyr=\"mute\"]{color:#2e9c8e !important}\n\t\t\t.aivoov-text-color{color:#546a7b}\n\t\t<\/style> \n\t\t<div class=\"audio_player\">\n\t\t<audio class=\"js-player\" 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data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d1832c elementor-widget elementor-widget-ucaddon_merchant_cash_advance_calculator\" data-id=\"7d1832c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_merchant_cash_advance_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n \n \n <div class=\"merchant-cash-advance-calculator form-calculator\" >\n <div class=\"left_column\">\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"mcarequestedLoanAmount\">I'd like to borrow<\/label>\n <div class=\"tag-number\">\n R <span id=\"mcadisplayLoanAmount\" class=\"value-tag\">-<\/span>\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"2500\" max=\"100000\" value=\"10000\" class=\"slider\" id=\"mcarequestedLoanAmount\" step=\"500\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"mcarequestedFactorRate\">My factor rate from the lender is<\/label>\n <div class=\"tag-number\">\n <span id=\"mcadisplayFactorRate\" class=\"value-tag\">-<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"1.00\" max=\"3.0\" value=\"1.25\" class=\"slider\" id=\"mcarequestedFactorRate\" step=\"0.25\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"mcamonthlyCardTakings\">I take on average per month in card sales<\/label>\n <div class=\"tag-number\">\n R <span id=\"mcadisplayMonthlyCardTakings\" class=\"value-tag\">-<\/span>\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"1000\" max=\"100000\" value=\"20000\" class=\"slider\" id=\"mcamonthlyCardTakings\" step=\"500\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"mcarequestedPercentageCardRepay\">I want to repay back of future card sales<\/label>\n <div class=\"tag-number\">\n <span id=\"mcadisplayPercentageCardRepay\" class=\"value-tag\">4<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"10\" max=\"60\" value=\"20\" class=\"slider\" id=\"mcarequestedPercentageCardRepay\" step=\"5\">\n <\/div>\n <\/div>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n <div class=\"show-number\">\n <p class=\"title-result\">Total loan repayment<\/p>\n <p class=\"number-result\">R<span id=\"mcatotalLoanRepay\">-<\/span><\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Daily average repayment<\/p>\n <p class=\"number-result\">R<span id=\"mcadailyRepayment\">-<\/span><\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Repaid in (approx.)<\/p>\n <p class=\"number-result\"><span id=\"mcarepaidDays\">-<\/span> days<\/p>\n <\/div>\n\n <a href=\"https:\/\/southafrica.swoopfunding.com\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Borrow R<span id=\"resultCTA\"><\/span><\/a>\n\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-5ea6111 e-flex e-con-boxed e-con e-parent\" data-id=\"5ea6111\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3dd59e elementor-widget elementor-widget-heading\" data-id=\"b3dd59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What affects the term of my merchant cash advance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19a7203 elementor-widget elementor-widget-text-editor\" data-id=\"19a7203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The term, or length of time, of a merchant cash advance can be affected by several factors, including:<\/p><ol><li><p>The amount of funding: Typically, the higher the funding amount, the longer the term will be.<\/p><\/li><li><p>The repayment terms: Merchant cash advances are usually repaid through a fixed percentage of the business&#8217;s daily credit card sales. The percentage and the duration of the repayment period can affect the term of the advance.<\/p><\/li><li><p>The business&#8217;s creditworthiness: If the business has a strong credit score and financial history, it may qualify for a longer term.<\/p><\/li><li><p>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.<\/p><\/li><li><p>The lender&#8217;s policies: Different lenders have different policies and may offer different term lengths based on their risk assessment and business model.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4c2b4 elementor-widget elementor-widget-heading\" data-id=\"7a4c2b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I calculate my merchant cash advance repayments?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d7fb55 elementor-widget elementor-widget-text-editor\" data-id=\"8d7fb55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To calculate your repayments for a merchant cash advance, you will need to know:<\/p><ol><li><p>The amount of the advance: This is the total amount of funding you receive from the lender (\u00a3).<\/p><\/li><li><p>The factor rate: This is the multiplier that is applied to the amount of the advance to determine the total repayment amount. For example, if the factor rate is 1.2 and the advance amount is \u00a310,000, the total repayment amount will be \u00a312,000.<\/p><\/li><li><p>The holdback percentage: This is the percentage of your daily credit card sales that will be withheld by the lender to repay the advance. For example, if the holdback percentage is 10% and your business makes \u00a31,000 in credit card sales in a day, \u00a3100 will be withheld and applied towards your repayment.<\/p><\/li><\/ol><p><strong>To calculate your daily repayment amount, you can use the following formula:<\/strong><\/p><p>Daily Repayment = (Advance Amount x Factor Rate) \u00f7 Repayment Term<\/p><p><strong>To calculate your holdback amount, you can use the following formula:<\/strong><\/p><p>Holdback Amount = Daily Credit Card Sales x Holdback Percentage<\/p><p>Your total repayment amount will be the sum of your daily repayment amount and your holdback amount, and this will continue until the advance is fully repaid.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5a057 e-flex e-con-boxed e-con e-parent\" data-id=\"dc5a057\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div 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a:hover{\n background:#fff;\n color:#003E52;\n text-decoration:none;\n}\n\n.trustpilot-widget-floating-cta{\n margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"#calculator\" class=\"btn-floating-cta\">Calculate now<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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.<\/p>\n","protected":false},"author":1,"featured_media":18271,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-36231","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator.jpg",1280,853,false],"thumbnail":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-150x150.jpg",150,150,true],"medium":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-300x200.jpg",300,200,true],"medium_large":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-768x512.jpg",768,512,true],"large":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-1024x682.jpg",1024,682,true],"1536x1536":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator.jpg",1280,853,false],"2048x2048":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator.jpg",1280,853,false],"image_blog":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-408x252.jpg",408,252,true],"image_blog_full":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-1280x660.jpg",1280,660,true],"image_podcast":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-397x298.jpg",397,298,true],"image_banking":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-30x20.jpg",30,20,true],"image_blog_internal":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-840x480.jpg",840,480,true],"image_blog_medium":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-1024x500.jpg",1024,500,true],"image_single_banking":["https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/04\/image-calculator-80x53.jpg",80,53,true]},"post_excerpt_stackable_v2":"<p>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.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"root","url":"https:\/\/swoopfunding.com\/za\/author\/root\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/36231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/comments?post=36231"}],"version-history":[{"count":32,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/36231\/revisions"}],"predecessor-version":[{"id":44524,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/36231\/revisions\/44524"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/17791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/media\/18271"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/media?parent=36231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}