Enter your revenue and all active MCA positions to instantly see your Gross Holdback Rate — and whether you can safely take on more capital.
Your Business Info
Enter your monthly revenue and each MCA position.
$
MCA Positions
Gross Holdback Rate
0.0%
Enter your data
0%10%20%30%40%+
Healthy <20%Tight 20-30%Over-leveraged >30%
Total Monthly Payments—
Monthly Revenue—
Active Positions0
Per-Position Breakdown
Add your first MCA position to see the breakdown.
Methodology
How GBR Is Calculated
Gross Holdback Rate is the industry-standard metric for measuring MCA debt load relative to revenue.
1
Convert to Monthly
Daily payments × 21 business days. Weekly × 4.33 weeks. Bi-weekly × 2.165. This normalizes all schedules to a monthly figure.
2
Sum All Positions
Add up the monthly payment obligations across every active MCA. This is your total MCA monthly burden.
3
Divide by Revenue
GBR = (Total Monthly MCA Payments ÷ Monthly Gross Revenue) × 100. Under 20% is healthy; over 30% is a red flag.
FAQ
Common Questions
What is a healthy GBR?
A GBR under 20% is considered healthy and leaves room for growth capital. 20–30% is tight but manageable. Above 30% signals over-leverage and most lenders will not advance additional capital until existing positions are paid down or consolidated.
Why 21 business days for daily payments?
The MCA industry standard is 21 business days per month (roughly 252 business days per year ÷ 12 months). This normalizes daily payment amounts to a monthly equivalent, allowing apples-to-apples comparison with weekly and bi-weekly payment schedules.
What does “payments made so far” do?
The “payments made” field lets you track the remaining balance on each position. It does not affect the GBR calculation (which uses your current ongoing payment obligation) but shows you how much payback is left, helping you plan ahead.
Can I use this to qualify for a new advance?
This tool gives you a strong directional read. At Eljay Capital, we use GBR as one key metric in our underwriting process alongside bank statement analysis, time in business, and industry. If your GBR is under 20%, give us a call — you may qualify for our A-tier rates.
What if my GBR is over 30%?
Over 30% doesn’t mean you’re out of options. We can discuss consolidation — rolling multiple positions into a single advance with lower total daily payments. This can reduce your GBR immediately and give your cash flow room to breathe. Call us at 855-785-2281.
Is this calculation the same at every MCA lender?
The GBR formula is standardized across the industry (daily × 21, weekly × 4.33, bi-weekly × 2.165). Different lenders set different thresholds — some will fund up to 25% GBR, others cap at 20%. Eljay Capital underwrites each deal individually; contact us to discuss your specific situation.