Free tool
Merchant Cash Advance Calculator
See roughly how much you could get from your card takings, what you'd repay in total, and how long repayment might take.
A merchant cash advance has a fixed total cost (the advance × the factor rate). Repaying faster doesn't reduce it, but it does raise the effective annual cost. Figures are illustrative and subject to status.
Your estimate
What is a factor rate?
A multiplier that sets the total you repay. A factor rate of 1.2 on £20,000 means you repay £24,000, however long it takes.
Is it more expensive than a loan?
Often, yes. Compare with an unsecured loan using the loan calculator before you decide.
Who is it for?
Card-taking businesses like retailers and hospitality venues, especially with seasonal sales.
Get real merchant cash advance offers
We'll compare providers and show you how each offer stacks up against a standard loan.
Step 1 of 3 · Merchant cash advance
How much do you need?
Takes about a minute. No impact on your credit score.