Invoice Factoring Cost Calculator

See exactly what factoring a single invoice costs. The advance you receive, the fee you pay, and what lands in your account, side by side with a loan, MCA, or card.

2-minute tool
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Receivables Financing

$2,500

Total cost of factoring

$85,000Advance (upfront)

$97,500Net proceeds

17.89%Effective APR

On a $100,000 invoice you receive $85,000 up front, get $12,500 back when your customer pays, and pay a $2,500 fee.

What you get

What one invoice actually costs to factor

Factoring quotes hide the real number behind advance rates, reserve holdbacks, and per-30-day fees. Enter your invoice amount and terms, and the calculator shows the cash you receive now, the fee you pay, and the effective annualized cost, so you can compare it honestly against every other way to fund the gap.

Advance, fee, reserve, and net proceeds on your actual invoice
Effective APR, so factoring compares apples-to-apples with a loan or MCA
No signup. The full calculator runs right here

The tool

Run your numbers

Invoice Factoring

What will factoring cost you?

See the advance, fee, and net proceeds on a single invoice — and how the effective rate stacks up against a bank loan, MCA, or card.

Invoice amount

Advance rate · typically 80–90%

Factoring fee

Customer pays in

days

Factoring fee structure

Bank loan APR

MCA fee factor

Business card APR

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