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Merchant Cash Advance Estimator
Enter your average monthly credit card sales, the advance amount, and the factor rate to see your total repayment and estimated daily holdback.
What is a factor rate?
A factor rate is a simple decimal multiplier (e.g. 1.25) applied to your advance amount to determine total repayment. Unlike an interest rate, it does not compound over time — the cost is fixed from day one. A 1.25 factor on a $20,000 advance means you repay $25,000 in total.
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