True cost calculation: advance amount × factor rate = total repayment. Total repayment − advance amount = cost of capital. Example: $30,000 × 1.31 = $39,300 total repayment. $39,300 − $30,000 = $9,300 cost. To make this advance worthwhile, the $30,000 needs to generate at least $9,300 in additional net revenue (or saved cost from avoiding something worse, like a closure) over the repayment period.
Restaurant Tool
Estimate your advance amount, daily payment, and total cost of capital before applying. Results update instantly as you adjust inputs.
Restaurant Funding Center
Your daily payment is 6.1% of your average daily deposits, well within the safe range. Repayment should not strain daily operations.
Restaurant timing tip: Apply in January (trailing 6-month window: Jul-Dec, capturing the holiday season), June (trailing 6-month window: Jan-Jun, capturing spring ramp-up), or September (trailing 6-month window: Apr-Sep, capturing patio/summer season) so more of your peak deposit months fall inside your 6-month window and you qualify for the largest advance at the best rate.
This calculator provides estimates only. Actual advance amounts and terms are determined by underwriting. Read the full Restaurant Funding Guide to understand approval factors.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Funding timing is set by the funding provider after review.
500 FICO minimum · $4K-$6K+/month revenue · Funding timing is set by the funding provider after review
How do I calculate the true cost of a restaurant MCA?
True cost calculation: advance amount × factor rate = total repayment. Total repayment − advance amount = cost of capital. Example: $30,000 × 1.31 = $39,300 total repayment. $39,300 − $30,000 = $9,300 cost. To make this advance worthwhile, the $30,000 needs to generate at least $9,300 in additional net revenue (or saved cost from avoiding something worse, like a closure) over the repayment period.
What is a realistic factor rate for a restaurant MCA in 2026?
Restaurant factor rates in 2026 average 1.31 across the industry (slightly above the cross-industry average of 1.29 due to higher perceived volatility). A restaurant with 680+ FICO and 12 months of consistent deposits can receive offers in the 1.18-1.25 range. A restaurant with 560 FICO and 8 months of history can expect 1.35-1.45. The more competition between funders, the lower the rate; working through an ISO who submits to multiple funders simultaneously is the most reliable way to get competitive pricing.
Does paying back an MCA early save a restaurant money?
Depends on the funder. Some MCAs have a fixed buyout amount (e.g., pay 95% of the remaining balance at any point). Others have a fixed total repayment: meaning early payoff pays the same total as going to term, just faster. Before signing, ask explicitly: "Is there a prepayment discount, and what is the formula?" If no discount exists, there is no financial advantage to paying early beyond freeing yourself from the daily debit obligation.
