See the true cost of an MCA — total payback, effective APR, daily payment, and estimated payoff days. Compare against a traditional business loan before you sign.
💳 MCA Terms
Typical range: 1.1 – 1.5. Check your contract.
Percentage of each day's credit card sales withheld.
📊 Compare: Traditional Business Loan
See how an equivalent bank loan stacks up against your MCA.
💸 MCA Cost Breakdown
Total Payback Amount
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Total Cost (Dollar Fee)
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Effective APR
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Estimated Payoff
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Est. Daily Payment
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Est. Monthly Payment
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🏦 MCA vs. Business Loan Comparison
⚠️ What to Watch Out For
Factor rates are NOT interest rates. A 1.35 factor rate on $50k costs $17,500 — far more than an 8% bank loan.
No prepayment benefit. You owe the full payback amount even if you repay early (unlike a loan where you save on interest).
Daily remittance varies. On slow sales days you pay less, but the total owed never changes.
Stacking MCAs is dangerous. Multiple advances compound costs rapidly and can trap businesses in a debt cycle.
Effective APR often exceeds 50–300%. Always calculate before signing.
💰 Compare Business Loan Alternatives
SBA loans, business lines of credit, and invoice factoring often cost 80% less than an MCA. See your options in minutes — no credit impact.
⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.