UK Business Finance Specialists
Business financial calculation on laptop in UK office
Transparent Commercial Planning

Business Funding Calculator

Estimate illustrative funding capacities, factor fee calculations, and card-sales repayment percentages for your UK business.

Interactive Financial Planning Tool

Explore Your Business Funding Requirements

Adjust your estimated funding amount and monthly turnover to see an illustrative breakdown of how alternative finance and merchant cash advances can work.

Your Business Parameters

Select your requested funding requirement and recent trading volumes.

£30,000
£5,000£100,000£250,000+
£25,000
£5,000 / mo£100,000 / mo£200,000+ / mo
£18,000
£3,000 / mo£75,000 / mo£150,000+ / mo

Your Funding Enquiry Summary

Illustrative
Illustrative Advance Amount£30,000
Illustrative Factor Rate:~1.18x
Fixed Funding Cost (Illustrative):£5,400
Total Repayable Amount:£35,400
Illustrative Card Sales Split:12% of card turnover
Est. Repayment Pace:~16.4 Months
Non-binding illustration: Figures shown are purely indicative. Merchant Business Advance does not quote fabricated lender rates. Actual offers depend on lender assessment.
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Clear Repayment Dynamics

How Does a Merchant Cash Advance Calculation Work?

Unlike a traditional commercial loan with compounding monthly interest, a merchant cash advance utilizes a transparent fixed factor fee.

UK merchant card terminal taking customer payment
Card Split Percentage (10% to 15%)

Automated Terminal Repayment

When you trade, an agreed slice (typically 10% to 15%) of your daily card payments is automatically transferred toward your advance. On quieter days, you repay less; on peak days, you clear down faster.

UK retail entrepreneur managing store operations
Factor Rate Transparency

Fixed Multiplier (1.15 to 1.25)

The factor rate is agreed upfront and never changes. If sales slow down, there are zero compounding penalties or surprise late fees.

UK business consulting with commercial finance advisers
Personalized Quotation

Need an Exact Written Quotation for Your Business?

Calculators provide illustrative estimations. Submit a free, no-obligation enquiry to receive personalized terms matched to your exact card turnover from verified UK lenders.

Independent UK Commercial Brokerage

Ready to Explore Your Business Funding Options?

Speak with Merchant Business Advance about finance solutions that may suit your business.

Free no-obligation enquiry • Soft search check • Direct UK specialist advice

Call 0800 7720 230Get A Free Quote