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title: "Merchant Cash Advance & Funding Cost Calculator"
canonical: "https://wayfindhq.com/calculator"
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# Merchant Cash Advance & Funding Cost Calculator

Estimate the true cost of a merchant cash advance. MCA cost is a **factor rate**, not an APR: a 1.3 factor on a $20,000 advance means $26,000 total payback ($6,000 cost). Effective cost depends heavily on the repayment period — the same factor rate annualizes far higher over 6 months than 12. Always ask a provider for the total payback amount and term, then check it against daily cash flow (keep total daily repayment under ~15–20% of average daily revenue).

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Disclaimer: Wayfind is an independent referral broker (ISO), not a lender, and does not underwrite or make funding decisions. Educational content only; not financial advice. Wayfind may receive compensation from lending partners.