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Business Loan Calculator

By Ziv Shay | Updated April 2026

Merchant Cash Advance Calculator

An advance against future credit card sales. Fast funding but very expensive — use only as a last resort.

Calculate Merchant Cash Advance Payment

Merchant Cash Advance Quick Facts

Typical Rate40-150% effective APR
Term Range0.5-2 years
Max Amount$500,000
Warning: MCAs carry extremely high effective APRs. Explore all other options before considering an MCA.

About Merchant Cash Advances

An advance against future credit card sales. Fast funding but very expensive — use only as a last resort.

Use our calculator above to estimate your monthly payments and total cost. Adjust the rate and term to see how different scenarios affect your payment. For the most accurate quote, apply with multiple lenders to compare personalized offers.

Explore Other Loan Types

SBA 7(a) LoanSBA 504 LoanEquipment FinancingBusiness Line of CreditInvoice FactoringCommercial Real Estate Loan Back to Calculator
About the AuthorZiv Shay is a software engineer and fintech enthusiast based in Israel, building free financial tools since 2024. Learn more
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