MCA costs & payments
MCA Early Payoff Quote Comparison
Compare a written MCA payoff quote with the remaining scheduled obligation.
How to use this calculator
- Gather written payoff quote; scheduled remaining payments; payment dates. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review dollar savings; cash required now; cash-flow comparison. Open the breakdown and export a copy for discussion.
How the calculation works
Quoted payoff plus additional fees is the cash required now. Savings equal the remaining scheduled payments minus that all-in payoff amount. The funding gap compares required cash with available cash.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Savings against remaining payments
- $7,500.00
- Cash needed now
- $82,500.00
- Funding shortfall
- $12,500.00
- Cash remaining after payoff
- -$12,500.00
Questions about the results
What does this tool include?
Compare a written MCA payoff quote with the remaining scheduled obligation. Quoted payoff plus additional fees is the cash required now. Savings equal the remaining scheduled payments minus that all-in payoff amount. The funding gap compares required cash with available cash.
What should I verify before relying on the result?
This comparison does not assume that a funder offers an early payment discount. Confirm the quote expiry, release terms and whether fees are already included.
What this result does and does not tell you
This comparison does not assume that a funder offers an early payment discount. Confirm the quote expiry, release terms and whether fees are already included.