Acceptable signalCash arrives before your supplier, payroll, or delivery deadline and the APR is lower than other short-term options you can access.Slow down signalThe reserve release is unclear, the fee can exceed the holdback, or the debtor notice would damage a key customer relationship.Contract checksAsk how fees are deducted, when the reserve is released, what happens on late payment, and who carries credit risk.
Cash flow forecastCompare the factoring cash injection against your next 30 to 90 days of supplier, payroll, tax, and delivery obligations.Invoice generatorCreate a clean invoice reference before you send terms to a factor, customer, bank, or accountant.Loan comparisonCompare costs over the same cash amount and duration against available overdrafts, merchant advances, and working-capital loans.
Sources & verification methodology
Method: cash today is invoice value multiplied by the advance rate; reserve release is the held reserve minus entered fees; the annualized proxy compounds fee divided by advance over the entered duration.
Source: all rates and fees are user-entered offer terms. Recourse selection changes the contract checklist, not the entered price.
Freshness: provider fees, eligibility, debtor notice and tax treatment change by country and lender. Treat the output as a review worksheet only.
Privacy: calculations run locally in this browser. Save, copy and CSV export happen only when you choose them.
Frequently Asked Questions
What is invoice factoring?
Invoice factoring is selling or assigning an unpaid invoice to receive cash earlier than the customer payment date. The provider usually advances part of the invoice and releases the remaining reserve after the debtor pays, minus agreed fees.
Recourse vs non-recourse factoring?
With recourse factoring, your business may have to repay the advance or replace the invoice if the debtor does not pay. Non-recourse coverage is contract-specific. Enter the quoted fee; the calculator does not invent a pricing premium.
Who should I compare?
Compare banks, specialist factors, trade-finance providers, and working-capital fintechs available in your market. Treat every offer as provider-specific and verify fees, eligibility, debtor notice, reserve release timing, and legal terms before signing.