What is your merchant cash advance really costing you?

Upload your MCA agreements. In about a minute you'll see what you still owe, when it's paid off, the real yearly cost, and the contract terms that can hurt you.

Reads daily, weekly and reverse consolidation contracts
Up to 6 contracts at once, with your total weekly payments
Free, and your files aren't stored

Check your contracts

Drop your agreements here PDF files, or photos of each page. Tap to choose.

I agree to the terms and understand this is an educational review, not legal advice.

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How it works

UploadAdd one or more MCA agreements. PDFs or phone photos both work.
We read the fine printThe payback, fees, payment schedule and 12 key terms, including reconciliation and personal guarantees.
See your real numbersWhat you still owe today, your payoff date, and the yearly cost (APR) of the money.

What we check in every contract

ReconciliationWhether your payment must adjust when your sales drop.

Personal guaranteeWhether you're personally on the hook.

Confession of judgmentWhether the funder can get a judgment without a lawsuit.

Processor and bank changesWhether switching counts as a default.

Stacking and cross-defaultHow other advances affect this one.

Default feesWhat gets added if you fall behind.

Questions

Is this really free?

Yes. Checking your contracts costs nothing. If you'd like help exploring options afterward, you can ask for a free review.

Do you keep my contracts?

No. Your files are read in your browser and sent to our AI provider only to produce your report. We don't store them. See our privacy policy.

How accurate is the APR?

It's an estimate based on the dates and amounts in your contract, assuming payments continue as scheduled. Merchant cash advances often have no fixed term, so treat it as a guide.

What's a reverse consolidation?

An advance where the funder pays you in weekly installments, often to cover other advances, while you make payments back. We show both sides of the schedule.

Is this legal advice?

No. It's an educational review. For legal questions about your agreement, talk to a licensed attorney.

Talk to someone

Behind on payments or juggling several advances? Ask for a free, no-obligation review.