MCA Cost Calculator
The total you repay, the fixed fee, and how long the daily sweep takes to clear it
UK market range is roughly £1,000 to £1,000,000
UK factor rates run from about 1.10 to 1.50 (checked June 2026)
Use an average month, not your best one
Most UK advances take between 5% and 20% of card takings
Pre-set for a specific lender
Each version starts from the ranges that lender publishes, so the inputs are already in the right neighbourhood.
Common questions
How is the cost of a merchant cash advance worked out?▼
By the factor rate. Multiply the advance by the factor rate to get the total you repay. A £30,000 advance at 1.20 means £36,000 back, so the fixed fee is £6,000, or 20% of the advance. The fee is agreed at the start and does not grow if you repay slowly.
What is a typical UK factor rate?▼
Published UK ranges run from about 1.10 to 1.50 (checked June 2026). Established businesses with strong card takings and clean director credit sit nearer 1.10 to 1.25. Newer or higher-risk businesses see 1.30 to 1.50. The big UK providers do not publish a rate card, so treat any single figure you see online as an example, not a price.
Why does the calculator show a rough annualised cost?▼
Because a fixed fee looks small until you compare it with an annual rate. A 20% fee repaid over eight months is closer to a 30% annual cost. The figure is the fee scaled to twelve months, not an APR, and it is there so you can set an advance against a term loan on something like equal footing.
What happens if my card sales drop?▼
The daily amount taken falls with your sales, so the advance takes longer to clear. The fee does not change. That flexibility is the reason people choose an advance over a fixed monthly loan, and it is also why the payback estimate above is only as good as the sales figure you type in.
Sources and assumptions
The calculator assumes a 30-day trading month and repayment as a fixed percentage of card sales. Your factor rate and repayment percentage are set by the lender. Ranges quoted come from:
CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender. We do not provide financial advice.