Calculator
Enter your funding amount, MCA factor rate, and estimated term to compare total cost across MCA, SBA loan, line of credit, and equipment financing — side by side.
| Product | Total Repayment | Cost of Capital | Est. Monthly Pmt | Term | Speed to Fund |
|---|---|---|---|---|---|
| MCA — 1.22 factor (best rate) | $61,000 | $11,000 | ~$2,090/mo | 5-6 months | 1-2 days |
| MCA — 1.29 factor (avg rate) | $64,500 | $14,500 | ~$2,383/mo | 5-6 months | 1-2 days |
| MCA — 1.39 factor (higher risk) | $69,500 | $19,500 | ~$2,733/mo | 5-6 months | 1-2 days |
| SBA 7(a) — 8.75% (10-yr term) | $72,500 | $22,500 | ~$625/mo | 10 years | 60-90 days |
| Business LOC — 12% APR | $58,000 | $8,000 | ~$670/mo | 10 years | 2-4 weeks |
| Equipment Financing — 9% APR | $68,400 | $18,400 | ~$1,425/mo | 4 years | 3-7 days |
| If This Is Your Situation | Choose This | Why |
|---|---|---|
| Need money in 24-48 hours, score 550+, revenue $15K+/mo | MCA | No other product funds in 24-48h — speed is the only reason to pay MCA rates |
| Can wait 60-90 days, 680+ credit, 2+ years in business | SBA 7(a) | Lowest total cost on a long term — worth the wait if you qualify |
| Need revolving access to capital for ongoing needs | Business LOC | Pay interest only on what you draw; lowest cost for recurring short-term needs |
| Buying a specific piece of equipment (truck, oven, HVAC, medical) | Equipment Financing | Equipment is the collateral — lower rates than unsecured products; asset not tied to your revenue |
| Outstanding freight invoices causing the cash flow gap | Invoice Factoring | Advances on specific invoices at 1-3% — far cheaper than MCA for A/R timing gaps |
A comparison calculator shows the possibilities. T.A.G. shows you actual competing offers from real funders for your specific profile.
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