How Do Your MCA Terms Compare?
Enter your merchant cash advance details below to instantly compare your factor rate, repayment term, and daily payment against industry benchmarks — and see where your terms fall on the fair-market spectrum.
Your MCA Details
The original amount you received
The multiplier on your advance (e.g. 1.35)
Total number of days to repay
Used to calculate daily payment as % of revenue
If stacking, enter total number of active MCAs
Industry Benchmark Reference
| Metric | Fair | Elevated | Predatory |
|---|---|---|---|
| Factor Rate | 1.10 – 1.25 | 1.25 – 1.40 | 1.40+ |
| Repayment Term | 90 – 180 days | 60 – 89 days | Under 60 days |
| Effective APR | Under 40% | 40% – 80% | Over 80% |
| Daily Payment | < 10% of daily revenue | 10% – 20% of daily revenue | > 20% of daily revenue |
| Total Cost of Capital | < $0.30 per $1 borrowed | $0.30 – $0.55 | > $0.55 per $1 borrowed |
Overall Assessment
High Risk / Predatory
Your MCA terms show characteristics of predatory pricing. Professional debt restructuring assistance is strongly recommended.
Your Terms vs. Market Standards
| Metric | Your Terms | Fair Market | Rating |
|---|---|---|---|
| Factor Rate | 1.35x | 1.10x – 1.25x | Elevated Cost |
| Repayment Term | 90 days | 90 – 180 days | Fair Market |
| Effective APR | 141.9% | Under 40% | High Risk / Predatory |
| Daily Payment | $2,250 | Varies by revenue | |
| Daily Payment % | 45.0% of revenue | Under 10% of daily revenue | High Risk / Predatory |
| Total Repayment | $202,500 | — | |
| Total Cost | $52,500 | — | |
| Cost per $1 Borrowed | $0.35 | Under $0.30 | Elevated Cost |
Total You'll Repay
$202,500
on a $150,000 advance
Total Cost of Capital
$52,500
35¢ per $1 borrowed
Effective APR
141.9%
annualized cost
Daily Payment
$2,250
per business day
% of Daily Revenue
45.0%
taken daily
Annual Equivalent
$585,000
based on 260 business days
Disclaimer: This tool is for illustrative and educational purposes only. Benchmark ranges are general estimates based on observed market conditions and do not constitute legal or financial advice. Individual MCA terms vary widely. Consult a qualified debt restructuring professional for advice specific to your situation.