Free calculator
MCA Consolidation Calculator
To evaluate MCA consolidation, add up the remaining balances and daily payments of all open advances, then compare that to a single consolidated payment over a longer term. If your combined debits are $1,200 a day and a consolidation spreads the balance over 9 months, your daily payment may drop substantially — but total cost may rise.
Last updated October 23, 2026
Estimated results
- New daily payment (est.)
- $320
- Current daily debits
- $800
- Daily savings
- $480
- Balances consolidated
- $50,000
- New total payback
- $62,500
Estimates for education only — not an offer. Actual terms are set by providers.
Get real offers with these numbersHow to use this calculator
- Enter each advance's balance and daily payment
- Enter consolidation factor and term
- Compare daily payment and total cost
Method
We sum current balances and daily payments, then model a new payback = balance × consolidation factor, spread evenly over the new term in business days.
Frequently asked questions
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Written by
BusinessFundingQuote Editorial Team
Small business finance writers
Reviewed by
Funding Review Desk
Reviewed for accuracy against current market practices
Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.