MCA / RBF Cost Calculator
See the real dollar cost of an advance before anyone asks for your email. Enter an amount and a factor rate (or use our typical range if you don't have an offer yet). It tells you total payback, total cost, and your actual weekly payment.
Common factor rates run about 1.15–1.50. It's the multiplier on your statement, not an interest rate. how that works.
Why we built this without a lead gate
Most places that quote an advance make you hand over contact info before they'll show you a number. We think that is backwards. You should see the real dollar cost first, then decide if you want to talk to anyone. This tool runs entirely in your browser: nothing you type here is sent anywhere.
If the numbers look right and you want an actual, underwritten offer instead of an estimate, start an application. It takes about two minutes and there's still no obligation.
Common questions
How do I calculate the true cost of a merchant cash advance?
Multiply the amount you receive by the factor rate to get total payback. Subtract the amount you received from total payback to get the total dollar cost. Divide total payback by the number of remittance periods (weeks or months) in the term to get your recurring payment.
What's a typical MCA factor rate?
Most factor rates run from about 1.15 to 1.50, meaning total cost runs roughly 15% to 50% of the amount funded, independent of how long the term is.
Do I need to give my email to use this calculator?
No. This tool computes everything in your browser and never asks for contact information. If you want a real, underwritten offer, that's a separate, optional step.
Want your real numbers, not an estimate?
Fundangle is a broker, not a lender. We shop your file across our funding partners and show you the real offer, not a ballpark.
See your funding options