Cash Flow Tool · Invoice Factoring
Invoice Factoring Simulator
Factoring contracts are more complex than any quick calculator admits. The simulator is a complete invoice factoring calculator that models your entire agreement, variable by variable, potentially helping you save thousands in factoring fees.
- 1Industry & volume
- 2Your terms
- 3Your estimate
A factoring contract looks simple from the outside, but underneath it are things no quick calculator shows: whether the fee is charged on the invoice or on the advance, recourse vs. non-recourse terms, monthly minimums, termination charges, hidden fees, and several others. Any one of them can increase your real cost or decrease your cash available considerably.
Run the quick estimate below. It's a slightly better version of any factoring company's calculator. Then use the full simulator to model your whole agreement. That's where the numbers change.
Invoice Factoring Calculator
Try our simple calculator, then get access to our comprehensive calculator, the Invoice Factoring Simulator.
Step 1 · Personalize your estimate
Select your industry & monthly volume
Your industry sets the starting advance rate, payment terms, and fee rate used below, all three are yours to edit with your own numbers.
Select your industry…
Select an industry above to set your monthly volume.
④ The part no calculator shows
Ready to Model Your Actual Deal?
The estimate above uses a handful of variables. Your contract has dozens.
Fee basis, recourse vs. non-recourse terms, late-paying customers, monthly minimums, termination charges: the variables that don't fit in a quick calculator are the ones that separate two similar-looking offers by thousands of dollars a year.
That's not a flaw of this estimate; it's the nature of every quick calculator, including the ones on every factoring company's website.
We're independent, not a factoring company, and the full simulator exists so you can model the whole agreement on your real invoices. No other tool in the industry does it.
Quick estimates start conversations. The full simulator ends them.
Your Invoice Volume
- ✓Import your AR aging report directly
- ✓Enter your invoice volume and payment terms
- ✓Model seasonal fluctuations in your volume
Your Offer Terms
- ✓Flat, tiered, daily, and volume-tiered rate structures
- ✓Advance rate and reserve configuration
- ✓Ancillary and other fees
- ✓Recourse and non-recourse options
- ✓Full ledger or selective factoring
Simulation & Analysis
- ✓Late payment impact on your total cost
- ✓Cash reserve tracking, average and peak
- ✓Customer concentration risk analysis
Compare & Decide
- ✓Compare two offers side by side
- ✓Full cost breakdown by fee category