Eastbridge Handles
Helps translate an offer into net cash, total payback, collection pressure, and questions to investigate.
All Services / MCA Funding
The Working Capital Desk
Keep the Business Moving.
Merchant cash advance funding can move quickly, but frequent collections and high total cost can put real pressure on cash flow. Start with the numbers and compare alternatives.
4–5 minutes to get startedNo obligation
Your Starting Point
- 01Working-capital goal
- 02Cost questions
- 03Provider review
THE EASTBRIDGE APPROACHYour priorities firstUseful preparationA personal conversation
Clear Responsibilities
Know who handles what.
Eastbridge keeps the preparation useful without blurring the line between education, execution, and formal provider decisions.The Provider Handles
The funder sets the offer and contract terms. Consider independent legal and financial review of the agreement and its business impact.
You Receive
A side-by-side cost view, slower-sales stress test, and alternatives checklist before signing.
Open the MCA Funding Planning ToolWork privately in this browser. Nothing is sent unless you choose to attach a summary.+
05 / MCA FUNDING
Put two offers through a slower-sales test.
Compare net cash, total payback, and collection pressure. A factor rate is not an APR. Review the agreement and applicable law for the actual terms, rights, and obligations.
Offer A
Offer B
Entered slow-sales revenue$16,250
- Net cash received
- $50,000
- Total payback
- $67,500
- Dollar cost
- $17,500
- Average weekly amount (payback ÷ weeks)
- $2,596
- Modeled slow-sales amount
- $2,596
- Modeled share of entered slow-sales revenue
- 16.0%
- Net cash received
- $49,000
- Total payback
- $70,000
- Dollar cost
- $21,000
- Average weekly amount (payback ÷ weeks)
- $2,692
- Modeled slow-sales amount
- $2,692
- Modeled share of entered slow-sales revenue
- 16.6%
Pause before signing if you cannot answer these
Ask the provider and an independent professional to review the actual agreement.
- What is the total payback after every fee?
- Are withdrawals fixed, or do they adjust when sales change?
- What are the reconciliation and early-payoff terms?
- Are there personal guarantees, liens, or restrictive default clauses?
- Could slower weeks still support collections, payroll, rent, and taxes?
Check the Timing of Your Cash FlowInclude expected collections in your expenses to see where a cash shortfall could appear.+
Run the Numbers
Illustrative starting values. Replace them with your own confirmed assumptions. No quote, approval, or recommendation is generated.
Period 1 Closing Cash$1,000
Period 2 Closing Cash-$3,000
Period 3 Closing Cash$8,000
Period 4 Closing Cash$4,000
Largest Modeled Shortfall$3,000
Show the Calculation & Assumptions
Period closing cash = previous balance + receipts − expenses. Largest shortfall = magnitude of the lowest negative closing balance. Use equal periods and cash receipt dates rather than invoice dates. Within-period timing and unlisted obligations can create additional shortfalls.
Amounts are rounded for display; calculations use unrounded values. Blank numeric inputs count as zero.
These calculations stay in this page. They are not a quote or a separate service request.
Built for Clarity
Fast money can create a heavy daily burden.
An MCA is typically structured as a purchase of future business revenue rather than a traditional installment loan. Compare the cash received, total payback, collection method, and contract remedies.Translate the factor rate
Multiply the advance by the factor rate to estimate total payback, then add every other fee before comparing the offer.
Stress-test cash flow
Model daily or weekly withdrawals against slow weeks—not only your best sales month.
Read the remedies
Understand reconciliation rights, personal guarantees, security interests, default events, renewal pressure, and what happens if sales drop.
Run the Numbers First
Payback Estimator
A factor rate is not an annual percentage rate. Use this simple estimate to see the gross payback and collection pressure, then review the complete contract and every fee.
Estimated Illustration
Cash received$50,000
Estimated total payback$67,500
Estimated financing cost$17,500
Average weekly collection$2,596
This is an educational estimate, not a quote, APR calculation, approval, or contract review.Before the Next Conversation
Before signing anything
Slow the decision down long enough to calculate the real obligation and compare less expensive sources of capital.
Start My Request ↗Use Planning Tools ↗- 01Cash you actually receive
- 02Total payback including fees
- 03Daily or weekly collection amount
- 04Estimated collection as a share of revenue
- 05Reconciliation and early-payoff language
- 06Loans, lines, vendor terms, or owner capital alternatives
How It Works
Simple on your side.
Define the short-term need
Be specific about the use, timing, expected return, and what happens if the return arrives late.
Calculate the burden
Review the full payback and model frequent withdrawals against conservative business revenue.
Compare and review the contract
Consider alternatives and have a qualified attorney or financial professional review obligations you do not understand.
Practical Guide
Three things to understand before the first conversation.
Use these points to prepare questions. They are general education, not individualized advice or an approval decision.Calculate net cash and total payback
Subtract fees from the cash received, then identify every dollar the contract requires in return.
Model a slow-sales period
Compare collections with conservative revenue, payroll, rent, taxes, inventory, and existing debt obligations.
Read the contract remedies
Ask about reconciliation, guarantees, security interests, default events, renewals, and early-payoff treatment.
Plain-English Terms
Understand the words before the decision.
Open a term for a short general explanation. Contracts, disclosures, and provider definitions control when they differ.Purchased Receivables
A stated amount of future business receivables sold under an agreement; contract language controls.
Factor Rate
A multiplier sometimes used to calculate total payback; it is not the same as an annual percentage rate.
Remittance
The recurring amount or percentage collected under the agreement.
Reconciliation
A contract process that may adjust collections based on actual receivables when the agreement provides for it.
Questions, Answered
Know what this page does—and what it does not.
Is an MCA the same as a normal business loan?
It is typically structured as sales-based financing or a purchase of future receivables. The contract and applicable law matter, so review the actual agreement carefully.
Why can an MCA feel expensive?
The total payback may be much higher than the cash received, and collections can occur daily or weekly. A factor rate is not the same thing as a conventional annual interest rate.
Can Eastbridge approve or fund an MCA?
No. Eastbridge provides general education and inquiry routing through this page. It does not promise funding, approval, terms, or savings.
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Related Services
See the other Eastbridge paths.
Service NoteOn this page, Eastbridge Holdings does not act as an MCA funder or lender. MCA contracts can create substantial cost and cash-flow risk. Consider independent legal and financial review before signing.