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FundingTracker's free MCA calculator shows payback, effective APR, payoff timing

Friday, November 13, 2026 — 19:50:43 (UTC)

FundingTracker Offers Free Merchant Cash Advance Calculator to Show Payback, Effective APR, and Payoff Timing

November 13, 2026 — MNMB Holdings LLC, the operator of FundingTracker, has published a free merchant cash advance calculator at fundingtracker.app/mca-calculator. The calculator requires no signup.

The tool is for merchants, brokers, and advisors who want to estimate the cost of a merchant cash advance (MCA) before signing, or estimate what remains on an advance already being repaid. Users enter an advance amount, factor rate, payment frequency, and term. The calculator then shows total payback, cost of capital, the payment amount, and an effective APR. The calculator page states that APR is calculated by discounting each payment to present value, so the figure can be compared with a term loan or line of credit.

The calculator has three modes. APR mode converts a factor rate into an effective annual percentage rate. Payoff mode estimates remaining balance, payments left, and a projected payoff date, including for advances already being repaid. Payoff mode assumes a fixed daily (Monday to Friday) or weekly payment. Cash flow mode shows the daily or weekly payment impact of an offer.

On the calculator page, the default example is a $50,000 advance at a 1.40 factor rate over a six-month term. The page displays a total payback of $70,000, a cost of capital of $20,000, a daily payment of $556, 126 payments over six months, and an effective APR of 142.2%.

The calculator is a companion to FundingTracker, business financing tracking software for merchants, brokers, and advisors. FundingTracker is not a lender and does not replace formal payoff letters from funders.

The calculator is at fundingtracker.app/mca-calculator.

About FundingTracker FundingTracker is business financing tracking software operated by MNMB Holdings LLC, a US limited liability company. It is built for merchants, brokers, accountants, and advisors who need one place to monitor merchant cash advances, business loans, payment schedules, remaining balances, payoff timing, documents, and cash-flow impact. FundingTracker is not a lender, bank, broker, or financial advisor, and it does not replace official funder payoff letters. More information is available at fundingtracker.app.

Media Contact michael@fundingtracker.app fundingtracker.app

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Source: Company press release.

Categories: New Product