Factoring Cost Calculator

See What Factoring Will Cost You, All In, on Your Own Invoice

Enter your invoice amount, your advance rate, the fees a provider quoted, and how your customers actually pay. The calculator returns your real cost and your effective rate, so a quote stops being a single headline number.

Your number, not the rate sheet's

A quote hands you one number and hides the rest. This does the opposite: you enter what you know, and it does the stacking.

Run two quotes through it and the one that's actually cheaper stops hiding. The math behind it is in Factoring Fees Explained.

Run your numbers

Invoice Factoring

What will factoring cost you?

See the advance, fee, and net proceeds on a single invoice — and how the effective rate stacks up against a bank loan, MCA, or card.

Invoice amount
$
Advance rateThe share of the invoice paid to you upfront. The remainder (the reserve), minus fees, is released when your customer pays. · typically 80–90%
%
Factoring fee
%
Customer pays in
days
Factoring fee structure
Bank loan APR
%
MCA fee factorA merchant cash advance is priced as a fee factor, not an interest rate — you repay the advance multiplied by this factor. A 1.35 factor on $100,000 means $135,000 repaid.
×
Business card APR
%

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Featured Provider

Prefer the number from a real quote? Sanctorum puts every fee in writing

Sanctorum Capital funds B2B invoices at 80 to 95 percent within 24 to 48 hours and states every fee component in writing before you sign, so the quote you get is the all-in number the calculator estimates.

Get a Transparent Factoring QuoteGet a Quote and Consultation
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