Restaurant MCA Calculator — Estimate Your Advance & Daily Payment

Restaurant Funding Center

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Your Restaurant Info

Average Monthly Bank Deposits

Total deposits across your last 3 bank statements ÷ 3

$40,000 /month

Desired Advance Amount

Leave at 0 to auto-calculate based on your deposits

Auto

Factor Rate

Your MCA cost multiplier. Lower is better. Common range: 1.15–1.45

1.28 0 NSF = lower rate

Term Length

NSF Frequency (last 3 months)

Offer Scenario

Conservative (75%)

Higher NSFs, existing positions

—

Standard (100%)

Average profile

—

Strong (150%)

0 NSFs, clean statements

—

Your Estimate

Estimated Advance
$40,000
Standard (100%) scenario

Daily Payment

$391

/business day

Total Payback

$51,200

Cost: $11,200

Monthly Payment

$8,533

(22 days × daily)

Payback Timeline

6 mo

132 business days

Daily Payment vs. Daily Deposits 6.1%

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

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 (using Dec/Nov/Oct statements), June (using May/Apr/Mar), or September (using Aug/Jul/Jun) to capture peak deposit months in your 3-month window and qualify for the largest advance at the best rate.

Ready to Apply?

Your estimate: $40,000 advance · $391/day

Apply Now →

How These Estimates Work

Advance amount — Based on 75% / 100% / 150% of your average monthly deposits. Actual offers depend on full underwriting including NSF history, average daily balance, existing positions, and time in business.
Factor rate — Ranges from 1.15 (excellent profile) to 1.45+ (high NSFs, stacked positions). Use the NSF selector to auto-adjust the suggested rate.
Daily payment — Total payback ÷ business days in term. Payments are fixed — the same amount every business day regardless of revenue that day.
Payment safety — Compares your daily payment to your average daily deposit (monthly deposits ÷ 22 business days). Under 10% is safe. Over 15% may cause cash flow stress.

This calculator provides estimates only. Actual advance amounts and terms are determined by underwriting. Read the full Restaurant Funding Guide to understand approval factors.