Unsecured term loan payment vs merchant cash advance. Estimates only — not a loan offer.

Term loan
Compare: merchant cash advance (optional)

Leave this section at zero if you are not replacing an MCA. Factor 1.35 means you repay $1.35 for every $1 funded.

Monthly payment

Fully amortizing

Total interest

Over the full term

Total repaid

Principal + interest

Effective cost

Interest ÷ principal

Program checklist

    Term loan vs merchant cash advance

    Term loan MCA
    Amount funded
    Estimated monthly outflow
    Total extra cost

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