MCA APR &
Cash Flow Calculator

We solve for the periodic rate that makes the present value of all equal scheduled payments equal the advance minus upfront fees. The estimate is that rate multiplied by the number of payment periods per year: 260 weekdays, 365 calendar days, 52 weeks, or 12 months. The first payment is one full period after funding. Weekdays use an evenly spaced 260-period approximation; holidays, actual dates and irregular payments are not modeled.

This is nominal annualization of a periodic rate, not a compounded annual yield. Simple annualization divides the financing cost by net proceeds and scales it by the estimated duration. Figures can differ from a legally required APR disclosure.

Enter the total of all scheduled payments under the offer or agreement, including the advance amount. For example, if you receive a $50,000 advance and are scheduled to pay back $67,500, enter $67,500. Enter any upfront fees withheld from funding separately.

APR accounts for the cash you actually receive and when scheduled payments are made. As you make payments throughout the term, the amount outstanding decreases. Dividing the financing cost by the original advance alone does not account for that timing.

Fees withheld at funding reduce the cash your business receives. If scheduled payback stays the same, those fees increase the estimated APR. For example, a $50,000 advance with $2,500 withheld provides $47,500 in net proceeds. Enter the withheld fees separately so the calculator uses the amount you actually receive.

Yes. The estimate depends on both the amount and timing of payments. Choose the frequency in your agreement and enter the total number of scheduled payments. Changing frequency while keeping the same number of payments also changes the estimated term. For weekdays, this tool assumes five payments per week and does not account for holidays.

Enter the first offer and select “Save this offer for comparison.” Then enter the second offer and save it. Compare net cash received, total financing cost, estimated APR, and average monthly payments. A longer schedule can reduce payment pressure and annualized cost without reducing total payback. The lowest estimated APR alone does not identify the best option for your business.

Do not assume that it will. Any early payoff discount or adjustment depends on the agreement and the payoff terms offered. This calculator does not model early payoff. Request a written payoff quote and have the relevant contract terms reviewed before relying on an expected saving.

Gather your MCA agreements, funding statements showing fees, payment history, recent business bank statements, and any creditor notices or court papers. If you have multiple MCAs, include each agreement and its withdrawal schedule. Request a free MCA loan review to discuss your circumstances with Business Debt Law Group. No lawsuit is required.

This calculator models equal fixed payments. Percentage-of-sales remittances, reconciliation, renewals, irregular payments, broker fees not entered here, and early payoff discounts can change the result. Use the agreement and actual payment history for an individualized review.

No. An annualized cost estimate alone does not determine whether an agreement is a loan, enforceable, or unlawful. That depends on the contract, applicable law and specific circumstances. This calculator provides educational information, not legal or financial advice.

The CFPB’s actuarial APR framework explains the relationship between payment timing and credit cost. New York’s commercial financing disclosure rules address product-specific disclosure calculations. This educational tool does not certify compliance with either framework.