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Factor rate / MCA
Factor rate cost calculator
Merchant cash advances are often quoted with a factor rate rather than an interest rate. Translate that multiplier into payments and an estimated APR you can compare.
$
$1,000$2,000,000
12
mo
1 mo36 mo
%
0%10%
Deducted from the advance.
Payment rhythm
Estimated APR
80.44%
A factor rate is a flat multiplier, so the same factor means a higher APR when it is repaid faster.
- Total payback
- $65,000.00
- Amount received after fee
- $48,750.00
- Daily payment
- $343.92
- Weekly equivalent
- $1,719.58
- Simple annualized cost
- 44.44%
- Total cost of capital
- $16,250.00
Cost breakdown
- Amount received $48,750
- Factor cost $15,000
- Fees $1,250
Free to check. No obligation. We'll pre-select $25,000 to $50,000.
These figures are estimates for education only. Not an offer of credit. These estimates are not a quote or a commitment. Actual payments, rates, and fees depend on the provider, underwriting, and the official loan terms. Flokapital is a funding brokerage, not a lender.
How to use this calculator
- 1Enter the advance and the factor rate from your offer.
- 2Set the expected repayment period and payment rhythm.
- 3Compare the estimated APR across products to evaluate different pricing structures on common ground.