MCA Payment Calculator
Estimate how much of your monthly revenue is going to MCA payments — and whether the burden may be unsustainable.
Can Your Business Comfortably Support This Payment?
Enter your monthly revenue to see what percentage of it would go toward this payment.
For illustrative purposes only. Calculator results are estimates and do not constitute an offer, approval, financing commitment, legal advice, or guarantee of available terms. Actual products, costs, payments, rates, terms, and eligibility depend on underwriting and the applicable financing agreement.
What This Metric Means
This calculator shows your MCA payment burden — the percentage of your monthly revenue that goes to MCA payments. It's one of the most important numbers to understand if you're carrying Merchant Cash Advances, because it tells you whether the payments are sustainable relative to your revenue.
How It's Calculated
The calculator takes your total MCA payments (daily or weekly) and converts them to a monthly equivalent, then divides by your monthly revenue to get the burden percentage. For example, if you pay $200/day in MCA payments and your monthly revenue is $50,000, your monthly equivalent is approximately $4,333, and your burden is about 8.7%.
Why It Matters
A common benchmark: if MCA payments (across all positions) consume more than 10–15% of monthly revenue, the burden may be unsustainable. At that level, the business may struggle to cover operating expenses, payroll, and other obligations. If you have multiple stacked positions, the combined burden may be significantly higher.
Limitations
This calculator is illustrative only. It doesn't account for seasonal revenue variations, the specific terms of your MCA agreements, or your other debt obligations. It's a starting point — not a complete financial analysis. The burden percentage is deliberately not labeled as "good," "bad," "safe," or "approved" because the appropriate level depends on your full financial picture.
What to Do Next
If your MCA payment burden is high, explore your MCA relief options — including restructuring, settlement, and buyout/refinance. Or submit your information for a capital review.