Business cash advance calculators
A merchant cash advance has no interest rate and no fixed term, so the headline figures do not compare with anything else on the market. These three calculators do the conversion for you: what the advance costs in cash, what it costs in annualised terms, and how long the holdback will take to deliver the agreed total.
Merchant cash advance calculator
Enter the advance, the factor rate, the holdback and your monthly card takings. See the total delivered, the cost of the advance, how long repayment runs and the APR equivalent.
CalculatorFactor rate calculator
Turn a factor rate into money. Work out what 1.1 to 1.5 costs on any advance size, compare two quotes side by side, and see what an admin fee does to the real total.
CalculatorRepayment timeline calculator
Model a seasonal card sales curve against the holdback to see when an advance actually clears. Built for hospitality, retail and leisure businesses with uneven card takings.
Every figure these tools produce is indicative. Providers price on card sales volume, trading history and risk, so the factor rate you are offered may sit above or below the range we use for illustration. Treat the output as a way to interrogate a quote, not as a quote in itself. If you want to understand the inputs first, start with what a factor rate is and how factor rates convert to APR.
Check the calculator against a real quote
Send us your monthly card takings and the amount you need. We compare the market and come back with indicative figures, including the total delivered and the holdback in writing.