Typical 1.1 to 1.5
Most advances run 3 to 18 months
Deducted from the advance
Approximate APR
0%
Total payback$0
Cost of the advance$0
Remittance$0
Cash you receive after fees$0

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Why does the APR look so high?

Because the full fee is charged no matter how fast you repay, and advances repay fast. A 1.30 factor rate on $100,000 costs $30,000 whether it takes 4 months or 12. Spread over 8 months with daily remittances, that is an APR well above 60%. That is the honest comparison point against a term loan at 15%. Read APR vs factor rate for the math and MCA vs term loan for when each makes sense.

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What else should I check on an MCA offer?

The holdback percentage and whether it is a fixed daily amount or a share of sales, any reconciliation right if sales drop, fees deducted from the advance, whether a personal guarantee or confession of judgment is included, and what happens on renewal. The merchant cash advance page covers each.

Estimates only. Your lender's offer sets the actual rate, fees and terms.

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