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Factor rate calculator.
See what a merchant cash advance actually costs — total payback, daily ACH payment, and the APR-equivalent. Drag the sliders. No login. No spam.
$50,000
$5,000$500,000
1.32
1.101.50
12 mo
3 mo18 mo
Total payback
$66,000
Fee paid
$16,000
Daily payment
$262
APR-equivalent
27.6%
What this means. A factor rate isn't an interest rate. You pay the full 1.32× back regardless of how fast you repay. The APR-equivalent above shows what that looks like as a traditional interest rate — useful when comparing to a line of credit or term loan.
Frequently asked questions
- What is a factor rate?
- A factor rate is a flat multiplier applied to a merchant cash advance. A 1.30 factor on a $50,000 advance means you repay $65,000 — regardless of how long it takes.
- How does APR-equivalent differ from a factor rate?
- APR is the annualized interest cost. A 1.30 factor over a 12-month term works out to roughly 50–55% APR — much higher than a bank loan, but the comparison only matters if you can also get the bank loan.
- Are factor rates legal?
- Yes. MCAs are structured as a sale of future receivables, not a loan, so traditional usury caps don't apply. Several states (CA, NY, VA, UT) now require APR-equivalent disclosure to borrowers.
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