MCA Balance Calculator

Back into the funded amount and term from the merchant's net and payment, see what's left to pay, and check how much of their revenue is already spoken for.

1. Balance 2. Utilization

Deal & balance

Updates as you type.

Net funded amount what the merchant received

Payment amount per payment

Payment frequency daily = Mon-Fri

Projected factor default 1.49

How to count payments made Payments: Auto (Dates)

First payment date

Balance as of usually today

Count the first date as a payment?

Skip US bank holidays? daily only

Payments made so far counted from dates

Weekly counts ignore holidays. If the merchant skipped or bounced payments, switch to entering the count yourself.

Rounding rules

Round funded up to the next default $5,000

Round term to nearest default 2

Balance remaining

-- left

Waiting for numbers

Paid so far: --0%

Funded (rounded up)--

Real payback--

Term--

Deal detail

Fee % (funded to net) Funded - Net

Real factor Payback / Funded

Projected payback Factor: 1.49

Raw term Payback / Payment

Payments made Daily

Paid so far Payments x Pmt

For your notes

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Utilization

How much of monthly revenue already goes to payments.

Monthly revenue average deposits

Withhold cap e.g. 30 or 37.5

Current positions every payment the merchant is making

Lender / namePaymentFrequency

Monthly conversion

Daily payments per month default 20

Weekly payments per month default 4

Withhold (utilization) Status

--of monthly revenue goes to payments

0%45%

Total monthly payments All positions

Max monthly at cap Cap: 30%

Room left under the cap Allowed - current

Daily affordable: -- | Weekly affordable: --

For your notes

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