Factor Rate Calculator
Calculate merchant cash advance payback amount, finance charge, net funding, and factor-rate cost before comparing the offer with an APR-style estimate.
This simple factor-rate view does not annualize the cost. Use the MCA APR decoder for a cash-flow based comparison.
Formula
Total repayment equals advance amount multiplied by factor rate. A $50,000 advance at 1.35 requires $67,500 before considering separate fees.
Finance Charge
Finance charge is total repayment minus the advance. It does not show how fast the money is repaid.
APR Comparison
The same factor rate can have very different annualized costs depending on daily, weekly, or monthly remittance speed.
Decode the full MCA offer
Factor rate is only one part of the cost. Add remittance timing, fees, and holdback assumptions to estimate total cost and APR-style comparison.
Open MCA APR Decoder