Free tool

Merchant Cash Advance Calculator — Convert a Factor Rate to a Real APR

Convert a merchant cash advance factor rate into total payback, daily debit and an estimated APR. See what an advance actually costs before you sign.

A factor rate is not an interest rate. There is no compounding and no amortization — you multiply. $50,000 at a 1.35 factor is $67,500 back, whether you repay it in six months or fourteen. Paying early usually saves you nothing, which is the single most important thing to confirm in writing before you sign.

We are paid more on advances than on most other products. We still built this calculator, and we still tell owners to take the term loan when they qualify for one. Read the full comparison.

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What a factor rate really costs

Advance amount

Factor rate

Typically 1.15 – 1.50

Repayment period (months)

Debit frequency

No cost · No obligation

Now see what you actually qualify for

The calculator gives you the math. One application gives you real offers — free, no credit impact to check.

Get Pre-Qualified See funding options

Checking your options does not affect your business credit. A soft review only.