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Fixed cost calculator
See the total cost, daily repayment and estimated term for any UK merchant cash advance (MCA) quote, in plain English. The cost is fixed on day one. It doesn't change whether you repay in 3 months or 18 months. Range £10k to £1m, fixed cost 1.10 to 1.50, term 3 to 18 months.
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£45,000 is the maximum advance for your card takings (150% of monthly card takings).
The cost is fixed on day one. It doesn't change whether you repay in 3 months or 18 months.
A percentage of your daily card takings goes to repayment. Busy days = more, slow days = less. The percentage stays the same; the pound amount flexes.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£45,000
- vs card takings150%
- Fixed cost1.25
- Daily repayment£148
- Avg monthly£4,500
- Est. term12.5 months
The fixed cost is set on day one. Daily repayment moves with your card takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersUnderstanding fixed cost
How fixed cost is set.
Your fixed cost reflects lender confidence. Stronger card takings, steadier patterns, and longer trading history usually mean a lower fixed cost. Newer businesses, seasonal income, or a larger advance relative to turnover usually mean a higher fixed cost.
The upside: accepting a higher fixed cost can unlock a larger advance if you need it. You decide where the trade-off sits for your business.
Fixed cost range: 1.10 to 1.50. Most approvals sit between 1.20 and 1.30.