MCA calculator
See exactly how a merchant cash advance works.
No sign-up, no credit check and no sales pitch. Move the sliders or type your own numbers to see what you'd receive, what it costs in total, what you keep each day and how long it takes to finish.
Your numbers
Build your own advance
Move the sliders to see exactly how an advance works: what you receive, what it costs, and how the daily payment follows your sales. There's never a fixed due date.
Try a quick scenario
Notice how a slower season means a smaller daily payment and a little more time, never a missed payment.
YOUR INPUTS
Drag a slider or type an exact number.
RPI's daily share
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What you keep each day
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Before normal processing fees
Estimated time to finish
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This combination would take longer than our nine-month guideline. In a real offer, underwriting would size the advance or daily share so it finishes sooner.
Illustration only. Assumes steady daily card sales and 21.7 business days a month; slower sales mean smaller payments and more time. Factor rate and holdback ranges are examples, not RPI pricing. Your actual amount, factor rate, percentage and timing depend on underwriting.
Reading the numbers
What each number means
A merchant cash advance is not a loan. We buy a portion of your future card sales at an agreed price and pay you up front. Here's how to read every line.
Advance amount
The money RPI provides. Our fees come out of this amount at funding, so you never get a separate bill.
Factor rate
The number that sets your total cost. Multiply the advance by the factor rate to get your total payback. It never grows over time like interest.
Holdback
The share of each day's card sales that goes to RPI through your processor. It stays the same percentage whether sales are up or down.
Deposited after fees
What lands in your bank account: the advance minus the 2.5% origination fee and the $395 documentation fee.
Total cost, fees included
The difference between the advance and the total payback, plus fees. This is the real, all-in cost of the funding.
Estimated time to finish
Total payback divided by your daily share. Slower sales stretch it out a little; busier sales finish it sooner.
Why real offers are different
Your real offer is built around your business
The calculator shows how the math works. A real RPI offer goes further: our underwriting looks at your whole business, sizes the advance to what you can comfortably carry and plans for slower months before they happen.
Sized to finish in about nine months or less
Two fees, both shown up front
Never stacked on top of other advances
A real person reviews every file
Like what you see? Find out what your business qualifies for.
All financing is subject to underwriting and approval.