MCA costs & payments
MCA Revenue Decline Stress Test
Test whether operating cash can support MCA debits when sales decline.
How to use this calculator
- Gather revenue; contribution margin; fixed costs; mca debits; revenue change. 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 cash surplus under several sales scenarios; break-even revenue. Open the breakdown and export a copy for discussion.
How the calculation works
Cash after debt is revenue times contribution margin minus fixed costs and MCA payments. The scenario table compares baseline, the entered decline, and a decline ten percentage points larger, capped at 100%.
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.
- Cash after debt in tested decline
- -$10,000.00
- Baseline cash after debt
- -$1,000.00
- Tested revenue
- $80,000.00
- Monthly fixed costs and debt
- $46,000.00
Questions about the results
What does this tool include?
Test whether operating cash can support MCA debits when sales decline. Cash after debt is revenue times contribution margin minus fixed costs and MCA payments. The scenario table compares baseline, the entered decline, and a decline ten percentage points larger, capped at 100%.
What should I verify before relying on the result?
Contribution margin must already exclude variable costs. Fixed costs should exclude debt. A monthly surplus can still hide an earlier weekly shortfall.
What this result does and does not tell you
Contribution margin must already exclude variable costs. Fixed costs should exclude debt. A monthly surplus can still hide an earlier weekly shortfall.