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MCA Factor Rate Calculator
MCA lenders hide costs in factor rates. See the APR.
MCA providers quote a "factor rate" instead of an interest rate. It looks small. It isn't. A 1.35 factor rate over 6 months = ~70% APR. Over 12 months = ~35% APR. Same number, wildly different cost. This converts any factor rate to APR so you can compare MCA offers against bank loans or SBA loans. Shows: total repayment · total fee · equivalent APR · estimated daily payment Free. No signup. No email required.
Hey PH — Jacob here, I built this.
I spent a few years as an MCA broker in the US. The most common conversation I had wasn't about which lender to choose, it was explaining what a factor rate actually costs in real money.
Business owners would come to me with 2 or 3 offers, all quoted in factor rates, trying to decide which was the better deal. The answer isn't obvious. A 1.3 factor rate over 4 months is a completely different deal than 1.3 over 10 months, but the number looks identical on paper.
Every time, I'd run the math by hand: convert to APR, calculate total cost, explain what happens if they repay early. That calculation shouldn't require a broker to explain it. So I built it as a free tool.
Full transparency: the site also helps match businesses to funding when they're ready. But the calculator is designed to show you the real cost before you sign, including when an MCA is a bad deal.
Three things that surprised business owners every time:
- Paying an MCA off early raises your effective APR, the fee is fixed at signing
- The same factor rate can be 35% or 140%+ APR depending on the term
- MCA providers don't quote APR because they're not legally required to
Happy to answer questions about how the math works or what to watch out for in MCA offers.
Would be great if you could add an amortization schedule view alongside the APR calculation, so you can actually see how each daily payment chips away at principal versus fees over the term. That would make it way easier to spot when an MCA is front-loaded on the payoff.
love that you used a real 1.35 over 6 vs 12 months example right at the top. most fintech tools bury the actual gotcha in a tooltip, but showing ~70% APR vs ~35% APR next to the same factor rate hits the point immediately. clean way to teach while you build.
Really useful tool, wish I had this before signing my last MCA deal. One idea: add a side by side comparison mode where you can stack two offers against each other, basically input two factor rates and terms and see the total cost difference laid out clearly. Would make it way easier when you're negotiating and trying to figure out which one actually saves you money over the life of the loan.
About MCA Factor Rate Calculator on Product Hunt
“MCA lenders hide costs in factor rates. See the APR.”
MCA Factor Rate Calculator was submitted on Product Hunt and earned 0 upvotes and 4 comments, placing #15 on the daily leaderboard. MCA providers quote a "factor rate" instead of an interest rate. It looks small. It isn't. A 1.35 factor rate over 6 months = ~70% APR. Over 12 months = ~35% APR. Same number, wildly different cost. This converts any factor rate to APR so you can compare MCA offers against bank loans or SBA loans. Shows: total repayment · total fee · equivalent APR · estimated daily payment Free. No signup. No email required.
MCA Factor Rate Calculator was featured in Fintech (47.2k followers) on Product Hunt. Together, these topics include over 17.8k products, making this a competitive space to launch in.
Who hunted MCA Factor Rate Calculator?
MCA Factor Rate Calculator was hunted by Jacob J Veldsman. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Jacob J Veldsman