Factoring Fee Calculator

See your true factoring costs and compare net funding amounts.

Invoice amount ($)

Enter a number, zero or greater.

Days until the customer pays

Compare a second offer

Offer 1

Advance rate (%)

Fee type

Flat fee (%)

Per-invoice fee ($)

Transfer fee ($, ACH or wire)

Offer 1 estimate

Enter valid amounts to see this offer’s estimate.

How this is calculated

A flat fee is the invoice amount multiplied by the fee percent. A tiered fee multiplies that amount by the number of billing periods, rounding days until paid up to the next full period. Add per-invoice and transfer fees to get total cost.

Up-front funding is the smaller of your invoice times the advance rate and your invoice minus total cost. The reserve is the invoice minus the advance amount and total cost, never below zero. Net received is the invoice minus total cost.

Cost as a percent is total cost divided by the invoice. Annualized cost divides total cost by up-front funding, then multiplies by 365 divided by days until paid. It is a comparison estimate, not a quoted APR.

Estimates only. Your rate agreement or factoring contract controls the actual amounts.