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.
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