Independent since 2015
MCA stacking calculator
Add every merchant cash advance you are paying right now. The calculator adds up the daily and weekly debits, shows what share of your monthly deposits they take, and estimates when each one is paid off.
- Total per month
- $0
- Daily equivalent
- $0
- Left after costs and advances
- $0
- Total still owed
- $0
Daily debits are counted on business days only: 21.67 per month on average, weekly debits 4.33 per month. Payoff dates assume the payment stays the same and no payments are missed. Estimate only, based on the numbers you enter. Not an offer of financing and not financial advice.
What the numbers mean
Stacking means taking a second or third advance while the first is still being repaid. Each funder looks at your deposits on its own, but your bank account pays all of them at once. This tool puts the debits side by side so you can see the combined load.
Share of deposits
This is the total you pay every month across all advances, divided by your monthly deposits. A single advance often takes somewhere around 10 to 15 percent of deposits. Once the combined share passes 20 percent, many businesses struggle to cover payroll, rent and inventory in a slow month. Treat these as rough guides: what matters is your own margin, which is why the tool also asks for your operating costs.
Left after costs and advances
Deposits minus operating costs minus advance payments. If this number is close to zero or negative, a slow week can force a missed payment or another advance to cover the gap, which is how most stacking spirals start.
Payoff dates
Each row shows how many payments are left and the month the last one should land. When the earliest one clears, that money frees up; it is often smarter to wait for that date than to take a new advance to cover the gap.
Stuck with several advances? We can connect you with a funding partner who can review your situation. Free to request, no obligation.
Common questions about MCA stacking
Is stacking merchant cash advances legal?
Usually, yes. Many advance contracts forbid you from taking another advance without the first funder’s consent, so stacking can put you in default of your existing agreement even when the new advance itself is legal. Read the anti-stacking clause in each contract before signing anything new.
How many advances is too many?
There is no fixed number. What matters is the combined payment against your deposits and margin. Two small advances can be fine; one large advance on a thin margin can already be too much.
Can I consolidate stacked advances?
Some funders offer consolidation, which pays off existing advances with one new one. It can lower the daily payment by stretching the term, but the total cost often goes up. Compare the total payback, not just the daily debit. Our guide to getting out of an advance covers the options.
Does this tool store my numbers?
No. Everything runs in your browser and nothing you type is sent to us.
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