Free tool

Invoice factoring calculator: see your advance.

Enter an invoice amount and terms to estimate your upfront advance, the factoring fee and what you receive when your customer pays.

Invoice amount$50,000

Advance rate85%

Fee per 30 days3%

Days until your customer pays45

Cash advanced up front$42,500

Advance today$42,500

Factoring fee (est.)$3,000

Rebate when your customer pays$4,500

Estimates for illustration only, not an offer of credit. Your actual rate, term and fees are set by the lender and depend on your business.

FAQ

Common questions, clear answers.

Anything else, your advisor will answer on the phone.

What is an advance rate?

The share of the invoice the factor pays you up front, often 70% to 95% depending on your industry and customers.

How are factoring fees charged?

Usually as a percentage of the invoice for each period it is outstanding, such as per 30 days.

What happens if my customer pays late?

Fees typically keep accruing. With recourse factoring, you may have to buy back invoices that go unpaid.