What’s your monthly business revenue?
Tell us your revenue and we’ll show you exactly which funding options you qualify for — takes 2 minutes.
No thanks, I’ll figure it out myselfEnter your MCA details and find out what your funder never told you: how much of what you still owe is pure fee, and exactly how much of it disappears if you exit now instead of paying to term.
Your MCA agreement lists a factor rate. It does not list an APR. That’s not an oversight.
This tool converts what you owe into real numbers: the true interest rate, the fee buried in your remaining balance, and how much of it you’d keep if you cleared the advance today instead of grinding through the rest of the term.
Three numbers come out of this calculator. The APR shows what your advance actually costs on an annualised basis. The fee in your remaining balance is how much you’d save by paying it off today. The colour tells you what to do next.
You’re close enough to the end that arranging a refinance isn’t worth the effort. Carry it to term.
But when your funder calls the week it clears to offer you a renewal — and they will — that’s where you have to hold the line. Green turns red fast if you roll straight into another one on the way out.
Exiting makes financial sense here, but it’s not a fire drill. You have room to do this properly.
If your personal credit score is 640 or above, now is the time to move on refinancing into 0% business credit before more of that fee disappears into payments. Below 640, consolidation or restructuring can still cut the daily drain while you build the score. Start the Exit Sequence →
Above 90% APR with substantial fee still in the balance. Every week you wait is money you don’t get back.
The four paths below are available to you right now. Which one fits depends on your credit score and whether you’re current on payments. Run your free exit assessment →
The number from the calculator is what you’re trying to save. Now you need the path. There are four ways out of an MCA — which one you use depends on your credit score, whether you’re current on payments, and how many advances you’re carrying.
The cleanest exit. A card-stacking strategy replaces the advance with unsecured business credit at 0% interest for 12–18 months. You pay the MCA funder in full, the daily ACH stops, and you carry the remaining balance at zero cost instead of 100%–300% APR.
This is what FundingExplained.com does for qualified applicants. That savings number the calculator just gave you? That’s the amount that goes to zero.
Two or more MCAs running at once is a cash-flow problem that compounds daily. Consolidation rolls them into a single lower payment, typically targeting under 10% of your average daily revenue.
It doesn’t cut what you owe. But it stops the bleeding so you can work the longer-term exit without the daily pressure. Most consolidation products need you to be current on all payments going in.
Call your funder and renegotiate: a payment pause, a lower remittance rate, or an extended window. Funders would rather work something out than hand the account to collections.
This only works before you default. Two or three payments behind already? Skip to settlement below.
Negotiate a lump-sum payoff at less than what you owe — typically 50–70 cents on the dollar. The funder takes a reduced amount rather than chase you through collections, which is expensive for them too.
It only works when you’re already in default, and it requires upfront capital you may not have. Both of those things are true, which is why this is the last option, not the first.