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Independent calculation workspace

Merchant Cash Advance APR Decoder

Decode factor rates, repayment amounts, fees, and APR-style cost estimates for merchant cash advance offers

Formula & sources
  • No signup
  • No lender matching
  • Runs in your browser
  • Replace defaults with your quote

Offer Details

Example: 1.35 means repay $1.35 for every $1 advanced

Optional override. Leave 0 to use advance x factor rate.

Repayment Assumptions

Amount paid each week

AI Offer Extractor

Paste terms or upload a PDF or photo of the offer. Whatever you paste or upload is sent to a third-party AI model (Google Gemini, via Vercel AI Gateway) to extract the terms.

PDF, JPG, PNG, or WebP up to 8 MB. iPhone HEIC photos are converted automatically.

APR-Style Estimate
223%
Total Repayment
$67,500.00

Cost Breakdown

Net Funding

Advance after deducted fees

$50,000.00
Finance Charge
$17,500.00
Total Fees
$0.00
Total Cost Above Advance
$17,500.00
Payback Multiple
1.35x

Repayment Estimate

Estimated Payment per week
$2,500.00
Estimated Number of Payments
27
Estimated Term
6.2 months
Estimated Payoff Date
February 20, 2027

APR-style estimate, not a legal disclosure

Many merchant cash advances are structured as purchases of future receivables, not loans. This calculator converts projected cash flows into an annualized comparison estimate so you can compare the offer with loans, lines of credit, and other financing options.

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Use the tool

How to use this Merchant Cash Advance Calculator

Enter the advance amount, factor rate or total repayment, fees, and repayment assumptions. Use fixed remittance if the offer lists a daily or weekly ACH amount, or sales holdback if repayment depends on receipts.

How the merchant cash advance estimate works

Merchant cash advances usually quote a factor rate instead of an APR. The total repayment is fixed, but the annualized cost depends heavily on how quickly the remittances pay down the purchased amount.

Before you compare offers

Compare the APR-style estimate with SBA loans, commercial loans, equipment financing, and business lines of credit. Ask whether reconciliation is available if sales fall and verify all fees before signing.

Frequently Asked Questions

Estimate the cash received, total repayment, payment frequency, and repayment timing. The calculator builds the expected cash flows and annualizes the internal rate of return. This is an APR-style comparison estimate, not a legal APR disclosure.

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