Merchant cash advance calculator

See the total cost of an advance against your card sales, the daily holdback, and roughly how long it will take to repay.

General information only

Advance amount$50,000
$5K$250K
Factor rate1.25x
1.10x1.50x

Typical range on our panel: 1.10x to 1.50x depending on card volume and risk profile.

Monthly card revenue$80,000
$10K$500K
Daily holdback rate15%
5%30%
Total repayment $62,500
Total cost of capital$12,500
Est. daily holdback$545/day
Est. repayment period~5.2 months
No asset security is typically required for an MCA. It’s a quick option, but it’s often more expensive than an overdraft or line of credit, worth comparing before you commit.

Indicative only. Ecommerce Loans is a finance broker, not a lender. Actual factor rates and holdback percentages depend on your card volume and credit profile.

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What an MCA is for
Speed, not distress

Plenty of well-run businesses use one deliberately, for simplicity, not as a last resort.

Is an MCA only for struggling businesses?

No. Depending on the industry and how much time a business has to manage a more traditional facility, an MCA can be a quick, easy way to access capital. The trade-off is cost: these facilities are usually more expensive than a traditional overdraft or line of credit. That’s what the numbers above are showing you. See our merchant cash advances page for the full picture, including when it’s the right call and when it isn’t.

Before you enquire
It uses the standard factor-rate model (advance × factor rate = total repayment) and the factor rate range quoted across our panel, 1.10x to 1.50x. Your factor rate depends on card volume and credit profile.
Asset security is rarely, if ever, required for an MCA. Repayment comes directly from a percentage of your daily card sales instead.
They’re the same thing described two ways. The holdback rate is the percentage of daily card sales taken toward repayment; the factor rate sets the total amount owed.
Andrew Beckett, founder and principal broker

Founder and principal broker, Ecommerce Loans. 10+ years in Australian SME, asset, trade and consumer lending across Shift, Iron Capital, Lumi and Lend, and a member of the FBAA.

Call 0468 902 233 Get my options