What is left to pay on your MCA?

What this tells you

The balance on an MCA is usually the purchased amount minus what has been paid. It does not shrink like a loan balance with interest, so each payment takes the same bite out of it.

At the current pace, the payments left show when the advance would be fully repaid. If your payment changes, the date changes.

Some agreements allow a discount if you pay off early. Many do not. If yours does, enter the percentage to see the payoff amount. The funder's own written payoff figure is the one that counts.

The date skips weekends for daily payments. It ignores bank holidays.

How it is worked out

• Balance left = purchased amount − paid so far (or payments made × payment).
• Payments left = balance ÷ payment, rounded up.
• Payoff date: daily payments count business days forward from today, skipping Saturday and Sunday. Weekly payments count 7 days each. Holidays are ignored.
• Payoff amount = balance × (1 − discount %).

Common mistakes

• Starting from the funding amount instead of the purchased amount.
• Counting payments that bounced or were changed as paid.
• Assuming an early-payoff discount exists without checking the agreement.
• Forgetting fees that may be owed separately.
• Treating the estimated date as a promise. Ask the funder for a written balance.