Contractor MCA Calculator — Estimate Advance & Daily Payment

Contractor Funding Center

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Your Construction Business

Average Monthly Bank Deposits

Total deposits across last 3 statements ÷ 3 (include all GC and owner payments)

$65,000 /month

Desired Advance Amount

Leave at 0 to auto-calculate based on scenario

Auto

Factor Rate

Your MCA cost multiplier. 1.15 = excellent profile. 1.45 = higher risk.

1.26 consistent deposits = lower rate

Term Length

Deposit Consistency

Offer Scenario

Conservative (75%)

Gap months, existing positions

—

Standard (100%)

Average profile

—

Strong (150%)

Consistent deposits, 0 NSFs

—

Your Estimate

Estimated Advance
$65,000
Standard (100%) scenario

Daily Payment

$624

/business day

Total Payback

$81,900

Cost: $16,900

Monthly Payment

$13,728

(22 days × daily)

Payback Timeline

6 mo

132 business days

Daily Payment vs. Daily Deposits 4.5%

Safe (<10%)Manageable (10–15%)High (>15%)

Your daily payment is 4.5% of average daily deposits — well within the safe range.

Contractor timing tip: Apply when you have 3 consecutive months with consistent deposits. If any recent month had under $10,000 in deposits due to a project gap, attach a brief letter of explanation — it can be the difference between approval and decline.

Ready to Apply?

Your estimate: $65,000 advance · $624/day

Apply Now →

How These Estimates Work

Advance amount — Based on 75% / 100% / 150% of average monthly deposits. Actual offers depend on NSF history, deposit consistency, existing obligations, and time in business.
Contractor adjustment — If any month in your 3-month window had under $15,000 in deposits (project gap), actual offers will lean toward the conservative scenario (75%).
Daily payment — Total payback ÷ business days. Fixed amount every business day regardless of draw schedule. Plan for this payment even during slow deposit weeks.
Gap month strategy — A letter of explanation attached to your application can significantly reduce the impact of a gap month. State the project status and expected future revenue.

Estimates only. Actual terms determined by underwriting. Read the Contractor Funding Guide for full approval factor detail.