Tool 01 — MCA Decoder
The number your MCA offer doesn't print.
MCA offers thrive on factor rates and daily payment. Add an APR line to make it comparable.
Your offer terms
The amount you receive, before fees
Printed on your offer as a decimal, usually between 1.1 and 1.5
1.101.50
Payment frequency
Changes the assessment, not the math
Common use case
Expansion ties the debt to new revenue — the math can work if the APR is low enough
Estimated APR
43.3%
Very expensive
Total repayment
$62,500
Per payment
$5,208
Educational estimate. Actual APR depends on your exact fees, holdback terms, and repayment schedule.