Fill in your revenue, bank balance, and business profile below, then click Calculate for an instant underwriting decision based on real lender criteria, your risk score, pre-approved amount, and factor rate, no credit impact.
Enter your financials for an instant pre-approval decision, factor rate, and loan configurator
Primary approval driver, minimum $30,000 per month required
Tenure, open positions, and existing loan exposure
NSFs, negative days, stop payments, and prior defaults
Complete the form and click Calculate
This tool mirrors the underwriting logic used by real MCA and short-term business lenders. Fill in all three sections and click Calculate for your instant result.
The most important section. Your monthly revenue sets your maximum approval amount, and your daily balance signals how well your business manages cash flow day to day.
Time in business and existing loan positions are the two biggest factors after revenue. Your leverage ratio directly affects your approval amount.
NSFs, negative days, stop payments, and prior defaults are exactly what underwriters look for in your bank statements. Click Calculate to unlock your decision and loan configurator.
Plain-language explanations for the terms that show up in your decision panel and loan configurator.
A fixed multiplier applied to your funded amount to calculate total payback upfront, instead of interest that accrues over time.
A composite 0 to 100 score built from your bank balance, tenure, open positions, leverage, NSFs, negative days, stop payments, and default history.
The approval amount is your gross advance. Net funding is what actually lands in your account after the origination fee is deducted.
Most advances are collected daily or weekly via ACH. Use the configurator below your decision to spread payback over more payments and lower each one.
No. This is a prequalification estimator, not a formal application. It uses real underwriting logic, but the result is an estimate. No credit pull is triggered and no data is sent to any lender.
The decision engine evaluates all three sections together, including hard decline checks, so a single clear click gives you one accurate result rather than a number that shifts with every keystroke before you've finished entering your profile.
Primarily from your average monthly revenue, adjusted by a leverage multiplier based on your risk score. Existing loan balances above roughly 75 to 100 percent of monthly revenue reduce the available amount significantly.
Revenue below $30,000/month, under 12 months in business, a daily bank balance below $2,000, 9 or more open loan positions, multiple stop payments, or leverage that already exceeds 150 percent of monthly revenue.
No. This calculator runs entirely in your browser. No data is transmitted anywhere and no credit bureau is contacted. A credit inquiry only occurs if you formally apply with a lender afterward.
Once you click Calculate and receive a pre-approval, the Configure Your Loan Offer section unlocks below. Adjust the loan amount and term sliders, toggle daily or weekly repayment, and every figure, including your daily or weekly payment, updates instantly.
This tool models common underwriting logic, but real decisions also weigh factors it doesn't capture, like industry type and specific bank statement patterns. Treat your result as a directional estimate.
Calculator disclaimer: This tool is for informational and educational purposes only. Results, including the estimated risk score, approval amount, and factor rate, are estimates and do not constitute a loan offer, guarantee of approval, or commitment to lend. Actual loan offers, rates, and terms are determined solely by the lender. Best MCA Loans is not a lender and makes no credit decisions. Always review full loan terms with your lender before entering into any financing agreement.