MCATrueAPR Studio — Free Interactive In-Browser Studio
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Quick Reference & Frequently Asked Questions
Why is a 1.12 factor rate (12% fee) so much higher than a 12% APR bank loan?
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%.
Why does a faster Q4 sales month make a Merchant Cash Advance more expensive?
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.
How does a 17% daily remittance holdback impact my store's ad spend?
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.
When does taking an MCA actually make financial sense for an e-commerce seller?
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.