# Factor Rate to APR Calculator — Merchant Fund Express

> Free tool to convert a merchant cash advance factor rate into a true effective APR.

URL: https://merchantfundexpress.com/factor-rate-calculator/

## Key facts
- Factor rate is a flat multiplier, not interest; APR accounts for fast repayment
- Same factor rate = higher APR on shorter terms
- Common: 1.30 factor over 6 months daily can exceed 90% APR
- If APR is high, Merchant Fund Express can refinance the advance

## About Merchant Fund Express
Honest, trusted, professional DIRECT business funder. Products: working capital, line of credit, MCA, equipment financing, invoice factoring, revenue-based financing. Funds $5,000-$5,000,000. Requires $15,000+/month revenue and 500+ FICO. 2-4 hour decisions, same-day funding possible. Phone (305) 384-8391. Also buys out and refinances existing MCAs.