Calculator
What will factoring this invoice cost?
Advance, fee, rebate and an annualized cost for an invoice, based on how long your customer takes to pay.
The invoice
$
%
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The fee is charged for each 30-day period that starts
What you get, what it costs
- Advance up front—
- Factoring fee——
- Rebate when the customer pays—
- Cost per $1 advanced—
Annualized costFee against the advance, per year—
Estimates for comparison only, using 21 business days a month and 52 weeks a year. Your contract's disclosures govern. Nothing you enter here is saved or sent.
How this calculator works
Factoring is priced by time: the longer your customer takes to pay, the more it costs.
The factor advances a share of the invoice now and holds the rest as a reserve. When your customer pays, the factor keeps its fee and sends you the rest. Fee structures vary: some charge per 30 days, some per 10 or 15 days after the first month, and some add service or wire fees. Ask for the full fee schedule before you sign.
One application, many funders
Want real offers to run through this?
Apply once. We bring back offers from funders that fit and decode every one: total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.