MCA calculator

Can you afford the payment?

Seven numbers, one verdict. We size the advance off the same lender tables our network prices from, then check the weekly payment against what your business keeps. Nothing is stored and there is no sign-up.

Your numbers
A normal month, before any costs.
What is left at the end of a normal month after everything is paid, including cost of goods, rent, payroll, your existing loan payments, and you. Zero or a loss is an honest answer.
Every loan, advance, or line, combined. Zero if none.
The lender tables may size you lower. The verdict says so if they do.
Where the business is registered.
Your best guess is fine. Nothing is pulled.
Since the business first took money in.
Your numbers go to our pricing engine and come straight back. They are not saved, and nobody follows up.
Your verdict
Estimated advance
Weekly payment
Your weekly revenue
Monthly revenue, spread over 52 weeks.
Weekly net profit
Net profit, spread over 52 weeks.
Left over each week
Share of profit
See your real estimate →
Under 25%
Recommended
Of weekly net profit. A slow week still clears it.
25 to 50%
Borderline
One slow month and it bites. Only if the money is already paying you back.
Over 50%
Not recommended
Nothing covers it if sales dip. A deficit is the same answer.
Not stored
Your numbers
No sign-up, no email, no record kept.
How the verdict works

The payment against what you keep.

The advance
→
Sized the way the lender tables size it.Your revenue, state, credit, and time in business decide which rows of the tables you fit. The amount is the middle of what they allow, never more than you asked for.
The payment
→
The payback, spread over twelve months, as a weekly pull.Shown low to high because pricing varies by lender. The verdict reads the midpoint and prints the high end beside it.
The verdict
→
That payment, as a share of the net profit you keep each week.What is left in a normal month after everything is paid, spread over 52 weeks. Add the gain you expect from the money for a second read. The three bands are in the strip above.
From your numbers to the verdict
  1. Your numbersSeven, none of them saved.
  2. SizedBy the same lender tables.
  3. CheckedPayment against weekly profit.
The same engine prices the estimate at the end of the application. The difference there is a soft credit pull and a person reading your statements.

Use it when the money comes back faster than the pull.

Inventory that is already selling and you need more of it. A signed job that needs a deposit to start. The money goes out and comes back ahead of the payment. Skip it when nothing is coming in behind it, like a slow month you hope picks up or a bill that makes no money.

See your real estimate →
Who built this

We run brands of our own, so we have done this math.

ONE APOLLO sells online with brands of its own. We have had the reorder due before the payout landed, and we have had to decide whether a weekly payment fit. This page is the check we wanted to have.

ONE APOLLO Capital is the funding side of the same company. We are a broker, paid by the funder on deals that fund, never by you.

FAQ

Questions people ask.

No. It is arithmetic on the numbers you typed, priced against the same lender tables our network uses. Nobody has seen your bank statements or pulled your credit. The application does both, and the estimate there is still an estimate until a person verifies the file.

They go to our pricing engine, the answer comes back, and that is the end of it. Nothing is written down, there is no account, and no one contacts you. If you later apply, you type your details there, fresh.

Because the lender tables filter on them. Some funders do not lend in some states, most have a credit floor, and nearly all have a minimum time in business. Leaving them out would mean guessing, and a guess would make the amount wrong.

Typical terms in the tables run from a few months to two years. Pricing one payment across that whole span would mix a short bridge product with a long one and mean nothing. Twelve months is the middle of the usual range for an advance of this kind. The real term comes with the real estimate.

Believe it, for now. Then look at what moves the number. A smaller amount shrinks the payment. Paying down an existing position frees up weekly profit. A line of credit from your own bank is slower to get and lighter to carry, and the time to start that conversation is before you need the money.

It means the payment fits. Whether the money is worth borrowing depends on what it buys. If it buys something that pays back faster than the pull, the verdict and the purchase agree. If it covers a gap with nothing behind it, a comfortable payment is still money out the door.

The verdict is free. The estimate is real.

One application. A soft credit check. Every funder you fit prices the same file, and you compare by email.

See your real estimate →