Remaining payback
Use a current written payoff when available, not the original advance or a dashboard estimate.
Free MCA refinance calculator
Put the daily withdrawal and a possible monthly structure on the same line.
Compare current MCA withdrawals with a hypothetical amortizing refinance. The standard program is up to $350,000, up to 10 years and no more than 2 active MCAs. Applications with more than 2 MCAs remain open for manual review, without automatic AI underwriting. This is not an approval, payoff quote or lender offer.
MCA refinance: up to $350,000 and terms up to 10 years for qualified files with no more than 2 active MCAs. Applications with 3+ MCAs are accepted for manual review; AI does not automatically underwrite them.
Your current MCA obligations
Choose a hypothetical replacement
Enter assumptions to explore the math. No lender rate is preselected, and selecting a term does not make it available or approved.
Current withdrawals
- Monthly equivalent
- $20,000
- Per business day (21/month)
- $952
A monthly equivalent is an orientation figure, not a replacement for each agreement’s actual debit schedule.
Hypothetical amortizing note
Choose 1 or 2 active MCAs and enter valid payoff, remaining period, hypothetical rate and term to see the illustration.
Illustration only, not an offer or credit decision. Standard program maximum: $350,000, 120 months and 2 active MCAs. The model assumes fixed monthly amortization at the annual rate you enter, no fees or additional cash-out, and no changes to the rate. A lower monthly payment can increase total cost. Final eligibility, term, pricing, payoff amounts, fees and availability require verified documents and lender approval. Applications with more than 2 MCAs remain open to manual review.
Use verified debt details and clearly labeled assumptions.
Months remaining
Estimate how long the current withdrawals will continue at the present pace.
Active MCA count
More than 2 active MCAs keeps the application open for manual review but suppresses the standard refinance illustration.
Hypothetical rate and term
Enter your own annual interest rate and a term up to 120 months. No lender rate or ten-year offer is assumed.
Debit frequency
Choose daily or weekly so the tool can show the actual withdrawal cadence.
Payment relief and total cost are different questions.
Monthly drag
The current remaining payback divided by the months left. It expresses frequent withdrawals on a monthly basis.
Hypothetical monthly payment
An amortizing payment using the annual rate and term you enter. It excludes fees and is not a lender quote or APR disclosure.
Cash freed
The arithmetic difference between current monthly drag and the illustrative payment. It is not guaranteed savings.
Total repayment
A lower monthly payment can still extend the obligation. Compare the full repayment, fees, and prepayment treatment before signing.
The underwriting file has to replace assumptions with evidence.
- Current payoff letters for every active advance
- Six complete months of every operating account
- Every daily and weekly debit matched to its holder
- Current P&L and complete debt schedule
- UCC filings and the release or subordination plan
- The proposed structure's fees, term, payment, and total repayment
Calculator questions
Does this calculator determine whether I qualify?
No. Qualification depends on the complete business, credit, bank-conduct, debt, documentation, and lender review.
Does the calculator quote an APR?
No. You choose a hypothetical nominal annual interest rate. Fees, net proceeds and the actual payment schedule would be needed to evaluate a lender offer and its APR.
Can I use a portal balance instead of a payoff letter?
Use it for an early estimate only. A closing review needs a current written payoff that identifies the holder, amount, good-through date, and release process.
What if I have more than 2 active MCAs?
Your application is still accepted for manual review. AI does not automatically underwrite that file, and the calculator does not display a standard refinance result. Include every advance and payoff.
Need to compare multiple advances? Read the merchant cash advance consolidation guide.
Replace the estimate with a verified file.
The desk reconciles payoffs, withdrawals, liens, and cash flow before presenting any structure.
Request a verified MCA review