Invoice Financing Calculator

Estimate the cost of selling or financing outstanding invoices. Free tool for improving cash flow through invoice factoring.

Invoice Financing Calculator

Invoice Financing Calculator

Calculate costs & cash flow for invoice factoring & financing

$
%
%
$
$

Quick Tips

  • • Typical advance rates: 70-90%
  • • Factoring fees: 1-5% per invoice
  • • Get cash in 24-48 hours

Invoice Financing Calculator Guide

Invoice Financing

Advances cash against outstanding invoices (factoring or discounting). Costs depend on advance rate, fees, and days outstanding.

Key Inputs
  • Invoice amount and advance rate
  • Discount rate or fee
  • Days to collection
Example

$50,000 invoice, 85% advance → $42,500. 3% fee for 30 days → cost $1,275; effective APR depends on turnover.

FAQs

Recourse?
Recourse factoring requires repurchase on nonpayment; nonrecourse shifts credit risk.

Cash flow?
Improves liquidity while awaiting payment.

Continue with calculators that answer nearby questions and help compare the next step.