Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
Use our free MCA calculator to estimate your merchant cash advance costs, daily payments, and total repayment amount. Understanding the true cost of an MCA helps you make informed financing decisions for your business.
Need funding now? Apply online or call (212) 868-8828 for a free consultation.
This calculator provides estimates only. Actual terms vary based on your business profile. Contact Lending Valley for a personalized quote.
A merchant cash advance provides your business with a lump sum of capital in exchange for a percentage of future credit card sales. Unlike traditional loans, MCAs use a factor rate instead of an interest rate to determine the total repayment amount. A factor rate of 1.35 means you repay $1.35 for every $1.00 borrowed.
The total cost of an MCA depends on three key factors: the advance amount, the factor rate, and how quickly you repay. The holdback percentage determines how much of your daily card sales go toward repayment. Higher holdback means faster repayment but lower daily cash flow. Lower holdback means smaller daily payments but a longer repayment period.
MCAs offer several advantages over traditional loans: no fixed monthly payments, no collateral required, fast approval and funding, and flexible repayment tied to your actual sales volume. However, the effective annual cost is typically higher than traditional loans. Use our calculator above to compare costs and determine which option is best for your business.
Lending Valley offers competitive factor rates starting at 1.15 for qualified businesses. Our team helps you understand the true cost of funding and find the option that best fits your cash flow. We provide transparent terms with no hidden fees.
