MCA Payment Calculator

Your daily MCA payment is determined by dividing the total payback amount by the number of business days in your repayment term. For example, a $50,000 advance at a 1.35 factor rate has a total payback of $67,500. Over a 6-month term (approximately 126 business days), that's roughly $535 per day. Over 9 months (189 business days), it drops to about $357 per day. The term length dramatically impacts your daily obligation, which is why understanding these numbers before signing is critical.

MCA underwriters typically follow the rule that your daily payment should not exceed 15-20% of your average daily revenue. If your business generates $3,000 in daily sales, a comfortable daily payment would be $450-$600. Our affordability gauge uses this same underwriter logic to show you whether an advance is within your comfort zone, getting tight, or potentially dangerous for your cash flow. If the gauge shows 'Danger,' you should either request a longer term or a smaller advance amount.

While daily ACH is the most common MCA repayment method, some funders offer weekly payment schedules. Weekly payments mean larger individual debits but fewer transactions hitting your account. For businesses with inconsistent daily cash flow but predictable weekly patterns, weekly payments can be easier to manage. Our calculator shows both options so you can compare and determine which structure works better for your business banking rhythm.

Missing daily MCA payments triggers a series of consequences. The first missed payment usually results in the funder's collection team reaching out. Multiple consecutive misses can lead to default notices, stacking of fees, and potential legal action including UCC lien enforcement. Some funders offer payment deferrals during slow periods, but this must be arranged proactively. The best strategy is using a calculator like ours to ensure you can handle the payments before you accept the advance.