Merchant Cash Advance APR Calculator

A merchant cash advance (MCA) is a type of financing in which a business sells a percentage of their future credit/debit sales for an upfront amount. The MCA lender gets paid by directly debiting the card receipts from the merchant’s account daily, before the business itself can access any money from sales.

Some common merchant cash advance providers are Can Capital, Newtek, and RapidAdvance.

An MCA is advantageous for businesses with unsteady cash flow or seasonal business cycles, as it’s not a fixed amount of money demanded each day, but a percentage of your sales. This can also make it hard to calculate the total cost of a merchant cash advance term sheet. Use the APR calculator below to find out what you will be paying on a merchant cash advance.

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This article was originally written on October 13, 2015 and updated on October 9, 2018.

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