Question 1

What is the MCA calculator showing me?

Accepted Answer

It converts your advance amount, total payback and payment schedule into an estimated APR-equivalent cost, so you can compare your MCA to other business financing. It is an estimate, not a quote.

Question 2

How did we calculate your MCA APR?

Accepted Answer

We derive the periodic internal rate of return (IRR) from the amount you received, the amount you agreed to repay, the size of each payment, and how often payments are made. The APR-equivalent is that periodic IRR multiplied by the number of payment periods in a year (260 for daily, 52 for weekly). It is annualized without compounding. The contract factor only compares total payback to the advance and does not reflect timing or cost.

Question 3

Does Keystone refinance Merchant Cash Advances?

Accepted Answer

Often, yes. Where a transaction is approved, proceeds may be used to pay off qualifying advances at closing. Each obligation is reviewed during underwriting.

Question 4

What assets can Keystone lend against?

Accepted Answer

Accounts receivable, commercial or investment real estate, equipment, machinery, vehicles and inventory. Facilities generally range from $50,000 to $750,000.

Question 5

Can Keystone help me eventually return to a bank?

Accepted Answer

Keystone can serve as a bridge while your business stabilizes. No lender can guarantee that a business will qualify for bank financing.

What is your MCA really costing you?

Let Keystone review your deal.

Questions business owners ask us