Merchant cash advance true cost calculator

APR109.3%
Total you repay$65,000
Cost of the advance$15,000
Each payment$515.87
Number of payments126
Cash out per month$10,833
Cost per dollar received$0.30
Interest at SBA's maximum rate, same term$1,987

Paid off in 4 months, the APR is 163.4%. Stretched to 9 months, it is 73.0%.

Estimates only. This is not a contract figure. A true-up or a missed debit changes the schedule. Your agreement controls the payback, the fees and any early-payoff terms. The math runs in your browser, and we do not save what you enter.

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Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.

Provided by sbaexpress.loans, a property of Janover Capital LLC. Not the SBA and not a lender. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.