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MCA vs. Loan Cost Comparison
See the true cost of a cash advance versus a real loan.
$
mo
%
mo
You could save with a loan
$10,492
MCA total cost
$35,000
MCA weekly drain
$3,464.20
Loan total interest
$24,508
Loan weekly payment
$1,197.19
A cash advance repays amount × factor rate regardless of term. A real loan charges interest only on the balance — usually far less.
Common questions
What is a factor rate?
A merchant cash advance is priced with a factor rate (e.g., 1.35), not an interest rate. You repay the amount times the factor — so $100,000 at 1.35 means repaying $135,000 regardless of how fast.
Why is an MCA usually more expensive?
Factor-rate pricing plus a short term and daily/weekly debits typically work out to a much higher effective cost than an amortizing loan at a stated interest rate.
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