Free tool
MCA deal calculator.
Factor rate to payback, the payment, an estimated APR, and what every rep earns on the deal. Free. Nothing you type leaves your browser.
The numbers
- Total payback
- $67,500
- Payment130 daily payments
- $519.23
- Cost of the money
- $17,500
- Estimated APREstimate. See how we calculate below.
- 125.9%
- Broker commission
- $5,000
Who gets paid
- Opener
- $1,000
- Closer
- $1,500
- Manager
- $500
- The shop keeps
- $2,000
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Estimates only. Not financial or legal advice.
How we calculate
- Total payback = funded amount × factor rate. Cost of the money = payback − funded amount.
- Daily payments fall on business days: 5 a week, 260 a year (holidays ignored). Weekly payments: 52 a year. A term in months becomes 260 ÷ 12 business days or 52 ÷ 12 weeks per month, rounded to whole payments.
- Payment = payback ÷ number of payments. Real schedules round to the cent and may adjust the last payment.
- Estimated APR uses the actuarial method of Regulation Z, Appendix J: we find the rate per payment period at which the payments repay the funded amount, then multiply it by the number of payment periods in a year (260 or 52). Fees are not included; fees withheld from the funding would raise the APR.[1]
- A merchant cash advance has no fixed term: real payments follow the merchant’s sales, so the real APR can be higher or lower than this estimate.
- Broker commission = points × funded amount ÷ 100. Opener, closer and manager shares are percentages of that commission; the rest stays with the shop.
Why an APR estimate?
California and New York require providers of certain commercial financing, including sales-based financing such as merchant cash advances, to disclose an estimated APR before the deal is signed. This calculator is not one of those disclosures.[2][3][4]
Estimates only. This is not financial, tax or legal advice, and it is not an offer of financing. Real offers have their own terms, fees and payment schedules. Laws change; ask your own counsel how they apply to you.
Sources
- 1.Consumer Financial Protection Bureau, Regulation Z, Appendix J to Part 1026 (annual percentage rate computations)
- 2.California Financial Code § 22802 (commercial financing disclosures)
- 3.California SB 33 (2023), which made the annualized-rate disclosure permanent
- 4.New York Department of Financial Services, 23 NYCRR 600 (Commercial Finance Disclosure regulation)
Sources checked November 5, 2026.
Run the whole floor’s commissions in Valhalla.
Every funded deal shows who gets paid, from opener to manager.
