MCA Payment Relief Calculator
Carrying one or more merchant cash advances? Tell us your situation and enter each advance to see how much of your revenue the debits take, the estimated APR on each one, when each pays off and how much lower your weekly payments could potentially be.
What best describes your situation?
Pick any that apply. It helps us point you to the right next step.
Your numbers
Results update as you type. Nothing is sent unless you request a free review.
Your analysis
Monthly debits until each advance is paid off
Relief is provided through restructured payment terms. A reduction in your outstanding balance may also be possible; a Century Relief specialist can review your eligibility during your free consultation.
Estimates only. Monthly figures assume about 21 business days or 4.33 weeks a month. APR is estimated like an amortizing loan's. Burden bands are a general rule of thumb, not underwriting standards. The payment relief estimate reflects a typical negotiated reduction of 60–70% in combined payments; it is not a quote, offer or guarantee. Individual results vary, and outcomes depend on your agreements, your finances and each funder.
Get a free review of your numbers
How to use the calculator
Pull each MCA agreement and your bank statements. For each advance you'll need the amount funded, the factor rate (or total payback divided by the amount funded), the debit amount and how often it's taken, and roughly how many payments have cleared. The example values are placeholders; replace them with your own.
What the numbers tell you
- Remaining balance is what each funder can still claim under your contracts.
- Monthly debits show how much cash the advances pull out of your business each month. Compare it with your monthly profit, not your revenue.
- Estimated APR under each advance converts its factor rate into an annual rate, so you can see which advance is the most expensive and compare it with other financing.
- Time to pay off uses the advance that will take longest at its current payment.
If your monthly debits are more than your business can carry, the options usually include requesting reconciliation, negotiating lower payments with each funder, or refinancing. See the five main MCA relief options.
Before you stop paying
Stopping debits can trigger a default, a lawsuit and, in some states, a confession of judgment or bank levy. Check how your state treats MCAs on our MCA debt relief by state page, and read can an MCA company sue you? before making changes.
Frequently asked questions
How do I figure out my remaining MCA balance?
Multiply the advance amount by the factor rate to get the total payback, then subtract everything you've paid so far. If you only know your payment and how many have cleared, multiply those two numbers to estimate what you've paid.
How much lower could my MCA payments be?
It depends on your funders, your agreements, how many advances you have and your cash flow. The calculator shows an estimate based on a typical negotiated reduction; a free review of your actual agreements gives you a personalized number.
Should I stop paying my MCA?
Not without advice. Stopping payments is usually treated as a default and can lead to a lawsuit, a confession of judgment in some states, or a bank levy. Get your options reviewed first.
What share of revenue is too much for MCA payments?
As a general rule of thumb, combined MCA debits above about 10% of monthly revenue start to strain cash flow, and above 20% they're often unsustainable. Your margins matter, so treat it as a guide.
Can payments on several advances be negotiated at once?
Yes. When a business has several advances, negotiating with all funders together, based on what the business can realistically pay each week, is often more effective than handling them one at a time.