Free MCA Payment Calculator
Estimate your merchant cash advance payments instantly. No login required, no credit impact.
Factor rates vary based on your business profile. Most approvals fall between 1.18 and 1.45.
This calculator provides estimates only. Your actual offer may vary based on your business profile, revenue, and credit history. Workable Funding will provide your exact terms upon approval.
Get My Real Offer — Apply Now →Frequently Asked Questions
Straight answers about merchant cash advances, eligibility, and how Workable Funding works.
How accurate is this calculator?
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This calculator gives you a realistic estimate based on typical factor rates and terms. Your actual offer from Workable Funding may differ based on your specific business profile.
What is a factor rate?
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A factor rate is a multiplier used in merchant cash advances instead of an interest rate. If you borrow $100,000 at a 1.28 factor rate, you repay $128,000 total.
How is my payment calculated?
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Your total repayment (funding amount × factor rate) is divided evenly across your repayment schedule — daily, weekly, or monthly — for the length of your term.
Does using this calculator affect my credit?
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No. This is a free estimation tool only. It does not pull your credit or submit any application.