Free MCA calculator to stack multiple merchant cash advances, see your true payoff cost and factor rate, and discover how much you could save by restructuring or consolidating.
Your average monthly business revenue
$50,000
1 active position
$11,000
$500 per day × 22 days
An MCA's true cost is the payback amount (advance × factor rate) minus the original advance, then annualized over the holdback period. Our calculator does this automatically for one or multiple stacked MCAs and shows the effective APR.
A factor rate is a multiplier (typically 1.15–1.50) applied to your advance to determine total payback. A $50,000 advance at a 1.35 factor rate means you repay $67,500. Factor rates are not APRs — effective APRs on MCAs often exceed 80%.
Yes. Add unlimited MCA positions with individual balances and daily payments. The calculator shows your total daily/monthly burden and what a restructured payment would look like after consolidation.
Most clients reduce daily MCA payments by 50–75% through consolidation or reverse consolidation. The exact savings depend on your stack size, monthly revenue, and time remaining on each contract — this calculator estimates your savings instantly.
Yes, 100% free with no signup required. You can also download a PDF report of your analysis to share with a debt relief specialist or your accountant.
Fill out the form below and our MCA relief team will contact you within 24 hours.
Apply in minutes and get a custom restructuring plan based on your analysis.