Merchant Cash Advance Guide: How MCAs Really Work
An MCA is not a loan, and a factor rate is not an interest rate. This guide shows the maths, the qualification bar and the clauses that matter before you sign.
Sep 28, 2026Read
Overview
A factor rate is a simple multiplier: multiply the advance by the rate to get your total payback.
Factor rate calculatorDrag the sliders to see what an advance really costs.
Total payback$65,000
Cost of capital$15,000
Est. business days to repay~217 days
What to know
Every business is different. Start by understanding your monthly cash flow, what the funds are for and how quickly you need them. Then compare the total cost of each option, not just the headline rate.
Next steps
Have questions? Our AI agent can walk you through your options in a couple of minutes.
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