Merchant Cash Advance Calculator
Last updated: October 15, 2026
Estimate merchant cash advance payback, holdback remittance, repayment time and simple annualized cost.
Estimated total payback
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- Financing cost: —
- Estimated monthly remittance: —
- Estimated repayment time: —
- Simple annualized cost estimate: —
On this page
Quick summary: Estimate merchant cash advance payback, holdback remittance, repayment time and simple annualized cost.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate merchant cash advance payback, holdback remittance, repayment time and simple annualized cost.
How to use it
Enter Advance amount ($); Factor rate; Daily sales holdback (%); Average monthly card sales ($). Select Calculate to update the results.
How the calculation works
Total payback equals the advance multiplied by the factor rate. Estimated repayment time divides that payback by the monthly card-sales holdback.
Worked example: starting scenario
| Advance amount ($) | 50000 |
|---|---|
| Factor rate | 1.35 |
| Daily sales holdback (%) | 12 |
| Average monthly card sales ($) | 80000 |
| Estimated total payback | $67,500.00 |
|---|---|
| Financing cost | $17,500.00 |
| Estimated monthly remittance | $9,600.00 |
| Estimated repayment time | 7 months |
| Simple annualized cost estimate | 59.73% |
Important limitations
A factor rate is not an APR. Daily remittances, changing sales, renewals and additional fees can make the effective annual cost very different.