Merchant cash advance (MCA) APR calculator API

Converts an opaque MCA factor rate into a true APR: totalPayback = advance × factorRate, dailyRemittance = dailyCardSales × holdbackRate, estimatedTermDays = payback / daily, APR = (cost/advance)×(365/term). Answers 'what's the real APR of this MCA', 'how long to repay a merchant cash advance', 'what will this MCA actually cost'.

Price$0.016per request

MethodPOST

Route/v1/score/litfin-merchant-cash-advance

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scoremerchant-cash-advancemcaaprfactor-ratesmall-businessalt-financelending

API URLhttps://x402.hexl.dev/v1/score/litfin-merchant-cash-advance

Integration docs

Example request

{
  "advance": 50000,
  "factorRate": 1.3,
  "dailyCardSales": 4000,
  "holdbackRate": 0.12
}

Example response

{
  "totalPayback": 65000,
  "dailyRemittance": 480,
  "estimatedTermDays": 135.4,
  "totalCost": 15000,
  "effectiveAPR": 0.8087,
  "effectiveAPRPercent": 80.87,
  "method": "payback=advance×factorRate; daily=sales×holdback; term=payback/daily; APR=(cost/advance)×(365/term)"
}

Input schema

{
  "type": "object",
  "required": [
    "advance",
    "factorRate",
    "dailyCardSales",
    "holdbackRate"
  ],
  "properties": {
    "advance": {
      "type": "number",
      "examples": [
        50000
      ]
    },
    "factorRate": {
      "type": "number",
      "description": ">1 (e.g. 1.3)",
      "examples": [
        1.3
      ]
    },
    "dailyCardSales": {
      "type": "number",
      "examples": [
        4000
      ]
    },
    "holdbackRate": {
      "type": "number",
      "description": "0-1 share of daily sales",
      "examples": [
        0.12
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}