How is the real APR on an MCA calculated?

By annualizing the total cost (payback minus the amount funded) against the funded amount and the actual repayment period — not by reading the factor rate. Because repayment is daily or weekly over a short term, the effective APR is usually far higher than the factor rate implies, often triple digits.

Is the settlement range a quote?

No — it's a rough educational estimate, not an offer or guarantee. Real settlement amounts are negotiated case by case based on the funder, your finances, and whether litigation has started.

Merchant cash advance cost calculator

MCBy the MCA Clarity Team
Last updated June 18, 2026

Enter your advance and see what it's really costing you — the factor rate translated into a true annual APR, the total cost of capital, your weekly drain, and a rough settlement range. Free and instant; nothing is saved.

Amount funded to you

Total payback owed

Each payment

How often?Payments made so far

Factor rate1.44

True cost of capital$8,800

Estimated real APRAnnualized — far above the factor rate54%

Draining per week$685

Estimated balance left$28,800

Rough settlement range (educational estimate, not a quote)

$11,520–$18,720

See what you could actually save →

Why the factor rate hides the real cost

A merchant cash advance quotes a factor rate (like 1.4), not interest. Multiply it by the amount funded and you get the payback — but because you repay it daily or weekly over just a few months, the annualized cost is far higher than the factor rate suggests, frequently triple-digit APR. More on real MCA APR →

Seeing the true number is usually the moment owners decide to act. When you're ready, see what you could save or read whether your advance can be settled.

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