Price every deal.
Trust every number.
We built the MCA pricing calculator with Steven Hunter, a veteran consultant who knows working capital underwriting better than most — so you read a merchant's real cash flow, map every position, and price with confidence. Free.
| A | B | |
|---|---|---|
| 1 | Business | ABC Hospitality |
| 2 | Funding amount | $150,000 |
| 3 | Net monthly revenue | $276,124 |
| 4 | Avg. daily balance | $41,200 |
| 5 | NSFs / neg days | 3 · 1.2% |
| 6 | Existing positions | 2 open |
| 7 | Current retrieval % | 3.9% |
| 8 | Buy rate | 1.26 |
| 9 | Commission | 10 pts |
| 10 | Term | 126 days |
| 11 | Factor rate | 1.32x |
| 12 | ✓ CLEARED PRE-QUAL · READY TO PRICE | |
- CEO & Founder of Hunter Consulting
- Builds financial models for dozens of MCA funders
- Former COO of Merit Business Funding
Read the cash flow. Map the risk. Price the deal.
Drop in the numbers from a merchant's statements and the calculator runs the underwriting math. Five tabs, one defensible price. Here's the 90-second walkthrough.
Screen out the no's
Run the disqualifier checklist — DataMerch, FICO, NSFs, position load, time in business — before you spend a minute pricing.
Read the real revenue
Roll up to 3 bank accounts, strip non-sales and transfers from deposits, and surface average, total, and minimum monthly revenue.
See every position
Log each existing position with remit amount and frequency — the sheet computes total retrieval % against revenue automatically.
Generate the offer
One consistent, defensible offer your whole team can stand behind — straight out of the built-in offer template.
Download the MCA Pricing Calculator
It's free. Book a 20-minute walkthrough and we'll send you the full model — built with Steven Hunter — plus show you how funders pair it with Heron to price more deals.
Book a demo to unlock the download →On its own, you fill it in. Paired with Heron, it fills itself in.
The calculator standardizes how you price. Heron removes the slowest part — the manual data entry. It reads the application, the bank statements, and the submission email, then populates every field automatically. No re-keying, no offshore scrub team, no bottleneck when volume spikes.
Submissions arrive any way
Forward an email, bulk upload, or pipe in via API — ISO applications, bank statements, voided checks, and 50+ more document types.
Heron scrubs & enriches
True revenue, non-sales, NSFs, negative days, and existing positions — extracted, categorized, and verified in seconds at 98% accuracy.
The calculator auto-populates
Every cell you used to key in by hand fills itself — straight into your pricing model and your CRM. Decision-ready in minutes, not hours.
and never re-key a bank statement again.
| 1 | Net monthly revenue | $276,124 |
| 2 | Non-sales % of deposits | 10.7% |
| 3 | NSFs / neg days | 3 · 1.2% |
| 4 | Existing positions | 2 · retrieval 3.9% |
| 5 | Factor rate | 1.32x |
Get the calculator. Then let it fill itself in.
Book a 20-minute demo — we'll hand over the free pricing model and show you how Heron turns your submissions into a priced deal automatically.
Book your demo →Grow the book without bloating the team
The calculator is the front end. Heron is the platform behind it — automatically scrubbing bank statements, enriching and categorizing every transaction, and syncing decision-ready data into your CRM. Trusted by 200+ funders and brokers.
funders & brokers trust Heron
less time from submission to pricing decision
hours of manual data entry saved across customers each week
document types scrubbed & enriched off the shelf