1. Reported remittance pressure
Daily payments are multiplied by 21.67 and weekly payments by 4.33 to provide an approximate monthly planning view. This does not calculate an actual payoff or account for variable sales or reconciliation.
MCA debt calculator
Map every MCA contract. See the payment-pressure question.
Add reported merchant cash advance contracts one at a time. Compare combined payment pressure with a hypothetical conventional term-loan scenario and your own lump-sum assumption. The result is a private planning view, not a refinancing offer or settlement estimate.
By Rodney O'Rourke, President at lendDEFY. Updated October 9, 2026.
No hard inquiry by lendDEFY. No hard credit inquiry is initiated by lendDEFY when you submit a capital profile or complete this application. A future capital provider may separately request credit information only through its own process, with any separate consent and disclosures it requires.
Step 1 of 3: private contact record
Start with the fastest facts.
Your name, business, email, and cell number let lendDEFY create a private prospect record before you add contract details. The team can see that you started the planner and the furthest step you complete.
Important: This is not a credit application, financing offer, debt-settlement service, or recommendation to change payments. lendDEFY is not a law firm or debt-settlement company.
How the math is framed
Planning questions, not payment instructions.
The page shows reported obligation figures, a transparent normalization of payment cadence, and a separate conventional term-loan illustration. It deliberately avoids a claimed MCA interest rate, APR, legal classification, settlement amount, or outcome prediction.
2. Hypothetical term-loan math
A fixed-payment illustration uses only the principal, annual rate, and term assumptions entered. It excludes transaction fees, closing costs, rate changes, collateral, taxes, insurance, escrows, and underwriting facts.
3. Lump-sum comparison
An optional lump-sum entry is compared only with the reported current payoff total. It is not a settlement quote, negotiation instruction, or estimate of creditor acceptance.
4. Human review
Actual capital, payoff, or legal questions require verified documents, business facts, independent advisers, and any potential provider's separate review process.
Primary-source context
Use the underlying regulatory materials.
MCA contracts and laws are fact- and jurisdiction-specific. These public sources explain common product mechanics and regulatory context; they do not decide any individual agreement.
CFPB: Small Business Lending Rule FAQs, Merchant Cash Advances
Describes MCAs as a business-financing product that may be structured as a sale of anticipated future income, with common revenue-based or fixed daily withdrawal mechanics.
FTC: Merchant Cash Advance Enforcement Release
Describes allegations in a specific enforcement matter involving daily automatic withdrawals, extra payments, and fee disclosures. It is not a claim about every provider.
California DFPI: Advisory to Small Businesses on Merchant Cash Advances
Defines MCAs at a high level and explains California's commercial-financing protections and complaint pathway for businesses that believe they experienced unfair conduct.
Important: This MCA debt planner is general business-purpose education and a private lead-intake workflow. It is not legal, tax, accounting, debt-settlement, financial, or investment advice; a payoff statement; a settlement quote; a credit decision; an approval; a commitment to lend; or a recommendation to change payment behavior. lendDEFY does not initiate a hard credit inquiry through this planner.
FAQ answer summary
Plain-language answers
How does the MCA debt calculator work?
Start with your name, business contact details, and permission for lendDEFY to contact you. Then add each merchant cash advance provider, its payment cadence, current remittance amount, and current payoff amount one at a time. The calculator translates daily or weekly remittances into an estimated monthly payment-pressure view and lets you model your own hypothetical term-loan and lump-sum assumptions.
Does this calculator provide an MCA refinance or settlement offer?
No. It is an educational planning tool, not a quote, term sheet, payoff statement, settlement offer, approval, or commitment to finance. A possible refinance, replacement obligation, lender eligibility, settlement, pricing, and timing depend on verified business facts, contracts, capital-provider review, and applicable law.
Why does the planner show term-loan interest instead of MCA interest savings?
Merchant cash advances may be structured as a purchase of future receivables rather than a conventional interest-bearing loan. The tool therefore shows the calculated interest for the hypothetical amortizing term-loan assumptions you enter. It does not label the difference from an MCA as interest savings or determine the legal character of any contract.
Can I upload MCA contracts to lendDEFY?
Yes. After your contact record is created, you may add a PDF or image of a contract to its matching obligation. Files go to private storage for authorized staff review. Do not upload personal identification, Social Security numbers, personal bank statements, passwords, account credentials, or documents unrelated to the MCA agreement.
What does it mean if I do not finish the planner?
Once you submit your contact details and consent, lendDEFY creates a private prospect record and records the furthest completed planner step for staff follow-up. The calculation details and files are not placed in public analytics. You may return during the browser session to continue, but no result is a funding or settlement decision.
Should I stop paying or settle an MCA based on this calculator?
No. Do not stop, delay, change, refinance, or settle payments based on this page or any calculator result. Those choices can have contractual and legal consequences. Review the complete agreement and your specific circumstances with qualified independent legal, tax, accounting, and financial advisers.