Audit Shopify Capital, Wayflyer, and Amazon Lending offers before you sign—calculating true effective APR, daily gross-revenue remittance squeeze, and net inventory margin left after daily holdbacks 100% locally in your browser.
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=SUMIFS(merchant_gross, SKU, A2) - VLOOKUP(A2, merchant_fees!A:D, 4, FALSE)⚠️ Why Manual Formulas Fail at Scale: Manual spreadsheet formulas break on multi-row merchant cash adjustments, tiered fees, and CSV delimiter shifts.
🛡️ Zero-Upload Local Studio Advantage: Run Merchant Cash calculations and CSV checks 100% locally in your browser.
Core capabilities built into MCATrueAPR Studio
Because MCA factor fees are fixed regardless of how quickly you repay, higher store sales accelerate daily deductions and skyrocket your true annualized cost of capital.
Daily MCA holdbacks come off the top of gross checkout sales (including shipping and tax). On a store with a 28% contribution margin, a 17% gross holdback consumes 61% of daily cash flow.
Compare the net gross-margin dollars generated by ordering seasonal inventory earlier against the fixed factor cost of the cash advance.
Evaluate multiple capital offers side-by-side inside your browser without connecting Plaid bank logins or handing revenue data to loan brokers.
Zero configuration, zero cloud server dependencies, instant execution.
Input the offered advance principal, fixed factor rate (e.g., 1.10 to 1.16), daily holdback percentage, and your store's average daily gross sales.
Drag the remittance percentage slider to see exact payoff days, true annualized APR, and remaining daily cash available for Meta/Google ads and 3PL bills.
Unlock the 180-day cashflow stress test, MCA vs. Revolving Credit Line comparator, and PO break-even hurdle table for a one-time $19 buyout.
See why merchants and prosumers switch from monthly subscriptions to our local buyout.
| Feature / Metric | 🛡️ MCATrueAPR Studio | ☁️ Cloud SaaS (Wayflyer) |
|---|---|---|
| Pricing Model | 🛡️ $19 One-Time Buyout (€3.99 Quick Pass) | ☁️ $149/mo analytics tier or hidden broker markups |
| True Annualized APR Calculation | 🛡️ Internal Rate of Return (IRR) & Declining-Balance APR | ☁️ Displays only flat factor fee (e.g., '12% fee') |
| Gross Holdback vs. Net Margin Stress Test | 🛡️ Models daily ad-spend & COGS cash starvation risk | ☁️ Ignores store contribution margin & tax/shipping base |
| Bank & Store Data Privacy | 🛡️ 100% Local Browser Execution (Zero Plaid/OAuth) | ☁️ Requires Plaid bank connection & store admin access |
Eliminate vendor lock-in and cloud upload security risks.
Why pay recurring monthly SaaS fees for merchant cash workflows? Switch to MCATrueAPR Studio for a single $19 buyout.
Wayflyer syncs your data to remote servers. We process 100% locally on your machine.
Process multi-row merchant cash files instantly without broken VLOOKUP/SUMIFS formulas.
Deep technical breakdown driving our client-side productivity engine.
Processes MCATrueAPR Studio structures directly inside isolated browser memory.
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Parses high-throughput MCATrueAPR Studio records in real-time with sub-50ms response times.
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Everything you need to know about privacy, local memory execution, and buyouts.
First, you repay the principal daily, so your average outstanding balance is roughly half the advance. Second, if daily sales deductions pay it off in 4 months instead of 12, that 12% fee is compressed into one-third of a year—pushing true APR near 60%.
Because MCA factor fees never decrease for early payoff. If a holiday spike pays off your advance in 75 days instead of 180 days, you pay the exact same dollar fee in less than half the time, doubling your annualized cost of capital.
The 17% holdback is deducted from gross sales (including shipping and sales tax). If your store runs at a 26% net contribution margin before financing, a 17% gross holdback leaves only 9% to cover payroll, 3PL bills, andinventory reorders.
Only when the capital funds fast-turning inventory (3x+ landed markup) or prevents a Hero SKU stockout where the net profit earned within 90 days exceeds the fixed factor fee by at least 3x.
Never. All calculations run 100% locally inside your browser tab with zero external data transmission.
You get lifetime access to the multi-offer MCA vs. Credit Line comparator, 180-day daily cashflow squeeze simulator, and CSV amortization export with zero recurring fees.