Business Funding Calculator UK 2025
How to Calculate MCA Costs
Simple formula: Amount × Factor Rate = Total Repayment
Cost: Total Repayment - Amount = Your Cost
Examples:
- £20k × 1.20 = £24k total (£4k cost / 20%)
- £50k × 1.25 = £62.5k total (£12.5k cost / 25%)
- £100k × 1.15 = £115k total (£15k cost / 15%)
Calculate Repayment Timeline
Formula: Total Repayment ÷ Daily Deduction = Days to Repay
Example:
- Total to repay: £62,500
- Daily sales: £2,000
- Deduction % (15%): £300/day
- Timeline: £62,500 ÷ £300 = 208 days (~7 months)
Compare Your Costs
Use our interactive calculator to compare:
- iwoca rates vs YouLend vs 365 Finance
- MCA costs vs traditional loan
- Different factor rates on same amount
Cost Comparison Table
| Amount | 1.10x | 1.20x | 1.30x | Difference |
|---|---|---|---|---|
| £10k | £1k | £2k | £3k | £2k |
| £30k | £3k | £6k | £9k | £6k |
| £50k | £5k | £10k | £15k | £10k |
| £100k | £10k | £20k | £30k | £20k |
Key insight: 0.20x difference on £50k = £10,000 savings. Always compare rates.
Conclusion
Calculate your costs before committing. A £50k advance at 1.30x costs £15k vs 1.10x costing £5k - £10,000 difference just for choosing better provider.