Calculator
Enter the amount, rate and term. See the payment, the total interest and what actually reaches your account.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Enter amount, rate and term to see the payment, total interest and net proceeds.
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
The payment on an amortizing loan is P × i ÷ (1 − (1 + i)−N), where P is the amount, i the rate per period and N the number of payments. Each payment covers that period’s interest and a growing share of principal.
See business term loans and MCA vs business loan.
A $100,000 loan at 12% over 24 months costs about $4,707 a month and $12,960 in interest. Moving to 36 months drops the payment to about $3,321 and raises interest to about $19,560. She picks 30 months as a compromise.
Source: Merchant Fund Express.
No. Enter any rate to test the effect. That is how Merchant Fund Express reads it on a real file.
Only the origination fee you enter.
Some products are repaid weekly; the interest shifts slightly.
Amortizing term loans.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
