AR Factoring Calculator.

Calculate your potential funding instantly. Adjust invoice amounts, rates, and terms to see real-time cash flow impact.

Input Your Details

$

Base rate for 30-day terms (adjusts with payment terms)

Held until customer pays

Immediate Funding

$87,500

Cash in your account within 24 hours

Invoice Amount$100,000
Advance (90%)$90,000
Factoring Fee (2.50%)-$2,500
Net Funding (Day 1)$87,500
Reserve Released (Day 30)+$10,000
Cost Per Job
$2,500
One-time fee of 2.50% for 30-day terms

This calculator provides estimates. Actual rates depend on your industry, customer quality, and invoice volume.

Get Your Custom Quote

Understanding Your Results

Advance Rate

The percentage of your invoice value you receive immediately (typically 80-90%). The remainder is held in reserve.

Factoring Fee

A small percentage of the invoice value (1.5-4%) charged for the funding service. Lower rates for high-quality invoices.

Reserve Release

The held amount (10-20%) released to you once your customer pays their invoice, minus the factoring fee.

Net Funding

The actual cash you receive in your account within 24 hours. This is your immediate working capital.