Stress-test factor-rate offers with fixed-daily or holdback remittance, net funded cash after upfront fees, approximate APR, and the monthly card sales needed to clear the advance safely.
APR shown here is an approximation for comparison only. Merchant cash advances are not traditional amortizing loans, and actual remittance timing can change with weekends, holidays, split funding, and contract-specific fees.
Decision lens
How much cash do you really receive after upfront fees?
Pressure test
Can your monthly card sales carry the remittance without crushing cash flow?
Target horizon
How much sales volume would you need to clear the advance faster?
Offer inputs
Holdback mode estimates payoff from average monthly card sales. Fixed-daily mode uses the business-day term for payoff, then shows what that burden looks like against your monthly card volume.
Enter valid offer inputs to evaluate the MCA burden.
Assumptions & interpretation
Total payback is modeled as advance amount × factor rate.
Net funded cash subtracts origination and fixed closing fees from the quoted advance.
Approximate APR is a comparison aid only; MCA contracts do not amortize like standard loans.
Target monthly sales math uses the selected holdback percentage, even if your current quote is fixed daily.
Key outputs
Valid inputs will render the decision KPIs, remittance detail, and target-sales planner here.