MCA Early Payoff Calculator
See what you'd save by paying off your merchant cash advance early — including prepayment discounts most funders don't advertise.
Your MCA
Ask your funder — many quietly offer 5–15%.
If you pay off today
Prepayment discounts are optional — the funder doesn't have to offer one. Get any discount in writing before you wire the payoff.
How MCA early payoff really works
MCAs don't accrue daily interest — the payback total is fixed at signing (advance × factor rate). That means "paying early" doesn't reduce cost the way it does on a term loan, unless your funder gives you a prepayment discount. Some do (5–15% off the remaining balance is common); many quietly don't.
If you're consolidating multiple advances, look at our MCA consolidation calculator. If you're refinancing to a line of credit or term loan, see MCA refinance options.
Frequently asked questions
Does paying off an MCA early save money?
Only if your funder grants a prepayment discount. An MCA's payback amount is fixed at signing, so paying early normally saves you nothing and simply raises your effective APR. Many funders will negotiate 5–15% off the remaining balance for a lump-sum payoff — ask, and get the number in writing before you send funds.
How do I calculate my remaining MCA balance?
Take the total payback amount from your contract and subtract everything you have already remitted (daily or weekly debits plus any lump sums). What's left is your remaining balance — that is the figure a prepayment discount is applied against, not your original advance amount.
Can I refinance instead of paying off early?
Yes. Once you are roughly 50% paid down, most funders will consider a renewal or a refinance into a term loan or line of credit at 15–35% APR. That is usually cheaper than draining your cash reserves to clear the balance in one shot.
Will my funder tell me my payoff amount?
They must, on request. Ask for a written payoff letter stating the balance, the discount if any, the wire instructions, and an expiry date. Never wire a payoff against a verbal figure — and confirm the UCC filing will be released after the funds clear.
Should I pay off my MCA early or keep the cash?
If there is no prepayment discount, keeping the cash is usually the stronger position: you gain no savings from early payoff, and liquidity protects you if revenue dips. With a real 10%+ discount and comfortable reserves, paying off early both saves money and clears the UCC so you can qualify for cheaper capital.
Related MCA calculators
- MCA cost calculator — pricing an offer you haven't signed yet
- MCA consolidation calculator — two or more advances, need daily-debit relief
- Can't pay your MCA? — reconciliation options
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