Cash Flow Tool · Invoice Factoring
Invoice Factoring Cash Flow Simulator
See how invoice factoring accelerates your cash flow. Select your industry and adjust your volume to get started.
Step 1 — Personalize your estimate
Select your industry & monthly volume
Your industry sets the typical advance rate, payment terms, and fee rate used in this simulation.
Cash in your account in the first week
As soon as your first invoice is factored — try dragging the volume slider.
Step 2 — Typical Industry Terms
Simulation Parameters
Typical values for the Trucking industry. Your actual offer may differ — to enter your own terms.
These parameters are sample industry averages — your real numbers will vary.
The only number you've entered is your monthly volume.
Want to enter your own numbers?
Upload your AR aging report or enter your own invoice volume and payment terms for a precise cash flow picture — not an industry average.
Want to enter your own terms?
Model your own advance rate and rate structure — flat, tiered, or daily — plus every fee your factor actually charges.
Want to compare offers side by side?
See two scenarios head to head and find out which offer costs less, and why, across any time period.
Simulation Period
Switch periods instantly — results update without re-entering your data.
Step 3 — Results
90 days Summary
Estimated cash flow impact over 90 days based on typical terms for your industry and your monthly volume.
Weekly Cash In
Advances & Cash Reserve Releases by Week
Advances land the day you submit; cash reserve releases arrive when your customers pay. The factor holds the reserve — it’s real cash, not an accounting entry.
Cumulative Cash Position
With Factoring vs. Without Factoring
How much more cash you have in hand each week by factoring instead of waiting for payment.
Week-by-Week Breakdown
Weekly Cash Flow Detail
Each row is one week — advances in, cash reserve released by the factor, fees accrued, and your running cash position.
| Week | Advances | Cash Reserve Released | Fees Paid | Net Cash In | Cash Reserve Held by Factor | Cumulative With Factoring | Cumulative Without Factoring |
|---|---|---|---|---|---|---|---|
| Month 1 | |||||||
| Wk 1 | $6.9K | — | — | $6.9K | $600 | $6.9K | — |
| Wk 2 | $6.9K | — | — | $6.9K | $1.2K | $13.8K | — |
| Wk 3 | $4.6K | — | — | $4.6K | $1.6K | $18.4K | — |
| Wk 4 | $4.6K | — | — | $4.6K | $2.0K | $23.0K | — |
| Month 2 | |||||||
| Wk 5 | $6.9K | — | — | $6.9K | $2.6K | $29.9K | — |
| Wk 6 | $6.9K | $412 | $188 | $7.1K | $2.6K | $37.2K | $7.5K |
| Wk 7 | $4.6K | $412 | $188 | $4.8K | $2.4K | $42.2K | $15.0K |
| Wk 8 | $4.6K | $275 | $125 | $4.8K | $2.4K | $47.1K | $20.0K |
| Month 3 | |||||||
| Wk 9 | $6.9K | $275 | $125 | $7.0K | $2.6K | $54.3K | $25.0K |
| Wk 10 | $6.9K | $412 | $188 | $7.1K | $2.6K | $61.6K | $32.5K |
| Wk 11 | $4.6K | $412 | $188 | $4.8K | $2.4K | $66.6K | $40.0K |
| Wk 12 | $4.6K | $275 | $125 | $4.8K | $2.4K | $71.5K | $45.0K |
| Month 4 | |||||||
| Wk 13 | $6.9K | $275 | $125 | $7.0K | $2.6K | $78.7K | $50.0K |
Key Insights
What This Simulation Tells You
Key takeaways based on your industry and volume — enter your own numbers in the full simulator for a more precise picture.
Immediate Cash Unlock
Over 90 days, factoring puts $76K in your hands immediately — instead of waiting 35 days for each invoice to pay.
True Cost of Factoring
Your estimated fee cost is $1K (1.6% of advances). Compare this to the cost of a line of credit or the opportunity cost of slow payments.
Cash Reserve Position
At peak, $3K in cash reserve is held by the factor. By week 13, $3K remains held — this is real cash the factor releases as your customers pay, not an accounting entry.
Cash Flow Advantage
Factoring puts you $29K ahead cumulatively compared to waiting for payments — capital you can redeploy immediately.
Days of Waiting Eliminated
Without factoring, you'd have $29K perpetually stuck in receivables, waiting up to 35 days to collect. Factoring frees that cash in about a day instead.
Full Simulator — Personalized Analysis
Ready to Model Your Actual Deal?
Model your actual offer terms and invoice volume for a full cash flow projection. Compare two deals side by side.
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, and daily rate structures
- ✓Advance rate and reserve configuration
- ✓Ancillary and other fees
- ✓Recourse and non-recourse options
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
- ✓Cash flow advantage vs not factoring
Access is by approval — submit your info and we’ll set up your account.
Disclaimer: This tool is a simulation designed for planning and comparison purposes. Results are estimates only — some deal-specific variables may affect your actual costs and cash flows. Please consult your financial advisor or accountant before committing to any agreement.