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Merchant Cash Advance Calculator
Find the Best Financing for Your Small Business. Compare, Choose and Save.
Calculate your advance
Payment Schedule
These calculations are estimates only. Final terms are subject to approval and underwriting review.
See If You Qualify
Answer 4 quick questions to check your eligibility
Takes 30 seconds - No impact on credit score
Question 1 of 4
Great News! You May Qualify
Based on your answers, you appear to meet our initial requirements for a Merchant Cash Advance. Complete your application to get your personalized offer.
Enter Your Information
Get your personalized offer in 24 to 48 hours
This is not an approval. Final funding decisions are subject to underwriting review and approval.
We're Here to Help
Based on your answers, you may not meet our standard requirements for this funding option right now. However, you may still qualify for other financing options!
Minimum requirements for this funding option:
- At least 1 year in business
- Minimum $15,000 monthly revenue
- Credit score of 600 or higher
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a financing solution that provides quick cash to your business in exchange for a portion of future credit card sales. Unlike traditional loans, repayments are made automatically as a percentage of your daily sales. This means you pay less during slow periods and more during busy periods, providing flexibility that aligns with your business cash flow.
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How to Read Your Calculator Results
The calculator gives you three numbers. Here is what each one means for your business.
Result 1
Payment Amount
This is how much comes out of your account each day or week. It is a fixed amount, not a percentage of your sales. Your cash flow needs to cover this amount on top of your normal operating costs.
Result 2
Total Repayment
This is the full amount your business will pay back. It equals your funding amount multiplied by the factor rate. Unlike a loan, this number does not change if you pay early. It is fixed from day one.
Result 3
Total Cost
This is the cost above the amount you received. It is your total repayment minus your funding amount. This is the actual dollar amount you are paying for access to the capital, regardless of how long repayment takes.
Important: MCA repayments are fixed at signing. If you pay off your advance early, the total amount owed does not decrease. This is different from a business loan, where paying early saves you interest. Always use the calculator to compare total costs before you accept an offer.
How the MCA Calculator Works
It only takes a minute. Just follow these six steps to see your estimated payments.
Pick Your Funding Amount
Use the slider to choose how much money your business needs. You can select anywhere from $5,000 to $500,000.
Set Your Factor Rate
The factor rate decides how much you pay back in total. Most businesses start around 1.18. The higher the rate, the more you repay.
Choose How Long to Repay
Pick how many months you want to take to pay back the advance. Most businesses choose between 3 and 18 months.
Pick Payment Frequency
Choose daily or weekly payments. Daily is the most common option. It spreads out your payments so each one stays small.
Check Your Numbers
The calculator shows your payment amount, total payback, and total cost right away. Move the sliders to try different options.
See If You Qualify
When the numbers look right, use the eligibility checker above to see if you qualify. If you do, you can request your offer in minutes.
MCA Factor Rate Ranges by Business Profile
Your factor rate depends on how lenders assess your risk. Here is what typical rates look like across different business profiles in 2026.
| Factor Rate Range | Tier | Typical Business Profile | Cost on $50,000 Advance |
|---|---|---|---|
| 1.10 to 1.20 | Competitive | 5+ years in business, strong monthly revenue, credit score 700+, no prior defaults | $5,000 to $10,000 |
| 1.20 to 1.30 | Average | 2 to 5 years in business, steady revenue, credit score 650 to 700, limited MCA history | $10,000 to $15,000 |
| 1.30 to 1.40 | Above Average Cost | 1 to 2 years in business, variable revenue, credit score 600 to 650, or higher-risk industry | $15,000 to $20,000 |
| 1.40 to 1.50 | High Cost | Under 2 years in business, inconsistent revenue, credit score below 620, or prior MCA defaults | $20,000 to $25,000 |
Factor Rate 1.10 to 1.20
Competitive
Factor Rate 1.20 to 1.30
Average
Factor Rate 1.30 to 1.40
Above Average Cost
Factor Rate 1.40 to 1.50
High Cost
Factor rate ranges based on 2026 market data from multiple MCA providers. Individual offers vary by lender, industry, and business profile. Rates above 1.49 are considered aggressive pricing.
Factor Rate vs. APR: What Is the Difference?
A factor rate tells you the total amount you will repay. An APR (annual percentage rate) tells you the annualized cost, which lets you compare an MCA to a business loan on equal terms. Because MCAs are typically repaid in 3 to 18 months, the effective APR is much higher than the factor rate suggests.
Here is a quick formula to estimate effective APR:
Example: Factor rate 1.30, repayment in 180 days (6 months)
APR = 0.30 / (180 / 365) = 0.30 / 0.493 = approximately 61% APR
The same 1.30 factor rate over 12 months = approximately 30% APR.
The shorter the repayment term, the higher the effective APR.
Not sure what factor rate your business qualifies for? Use the eligibility checker in the calculator above, then request an offer to see your actual rate with no impact on your credit score.
How Does an MCA Work?
A merchant cash advance is one of the fastest ways to get money for your business. Here is how the process works from start to finish.
Apply Online
Fill out a short application and upload your last 3 months of bank statements. No long paperwork or trips to the bank.
We Review Your File
Our team looks at your revenue history and business profile. We use a soft credit check, so it does not affect your credit score.
Get Your Money
Once approved, funds are sent directly to your business bank account. Most businesses get their money the same day they are approved.
Repay as You Earn
A small, fixed amount is automatically pulled from your account each day or week. No manual payments, no surprises.
MCA vs. Other Business Financing Options
An MCA is one option. Here is how it compares to other common financing products so you can make the right choice for your business.
| Financing Type | Typical Cost | Time to Funding | Min. Credit Score | Best For |
|---|---|---|---|---|
| Merchant Cash Advance | Factor rate 1.10 to 1.50 (40% to 200%+ APR) | Same day to 2 business days | 600+ | Fast capital needs, businesses with steady daily revenue |
| Business Term Loan | 7% to 30% APR | 1 to 7 business days | 620 to 680+ | Planned investments, equipment, expansion with a clear repayment plan |
| Business Line of Credit | 8% to 60% APR | 1 to 3 business days | 600 to 650+ | Ongoing cash flow gaps, recurring short-term needs |
| SBA 7(a) Loan | 9.75% to 14.75% APR | 30 to 90 days | 680+ | Large amounts, long repayment terms, lowest cost option for qualified businesses |
| Invoice Financing | 1% to 5% per month | 1 to 3 business days | 550+ | B2B businesses with unpaid invoices and slow-paying customers |
Merchant Cash Advance
Business Term Loan
Business Line of Credit
SBA 7(a) Loan
Invoice Financing
Rate ranges based on 2026 market data. SBA 7(a) rates based on a prime rate of 6.75% as of June 2026. Individual rates vary by lender, borrower profile, and loan amount.
Not sure which option is right for your business? Trulo Capital offers MCA funding from $15,000 to $150,000 with same-day approval. Apply in 5 minutes to see what you qualify for, with no impact on your credit score.
Frequently Asked Questions
Have questions about merchant cash advances? We have got answers.
A good factor rate is usually between 1.10 and 1.30. If your rate is below 1.20, that is considered very competitive. The rate you get depends on your credit score, how long you have been in business, and your monthly revenue. The stronger your business looks, the better your rate will be.
Trulo Capital offers advances from $15,000 up to $150,000. The amount you qualify for is based on your average monthly revenue. Most lenders offer between 50 and 150 percent of what your business brings in each month.
No. Trulo Capital uses a soft credit check, which does not affect your credit score at all. You can check your eligibility and explore your options without any risk to your credit.
An interest rate grows over time, so the longer you take to pay back a loan, the more you owe. A factor rate is fixed from the start. For example, if you borrow $20,000 at a factor rate of 1.25, you will always repay $25,000 total, no matter how fast you pay it back.
Most businesses get a decision within 24 hours. Once approved, funds are usually sent to your account the same day. To speed things up, have your last 3 months of business bank statements ready when you apply.
To qualify with Trulo Capital, your business needs to have been open for at least 1 year, bring in at least $15,000 in monthly revenue, and have a credit score of 600 or higher. You will also need 3 months of business bank statements and a completed application.
Yes. MCAs are easier to qualify for than traditional bank loans. Because approval is mostly based on your monthly revenue, businesses with a credit score as low as 600 may still qualify. Strong and consistent revenue matters more than a perfect credit score.
An MCA works best if you need money fast, have steady monthly revenue, and do not want to wait weeks for a traditional bank loan. It is a great option for covering payroll, buying inventory, fixing equipment, or handling slow seasons. If you are not sure, our team can help you figure out the best option for your situation.
It only takes a few minutes. No impact on your credit score.