Free carrier tool

See what factoring really takes from an invoice.

Enter the invoice, advance, fee structure and extra charges to separate immediate cash from reserve and calculate the total cost.

Editable example

Your factoring offer

Invoice and payment timing

Invoice amount Gross freight invoice submitted for funding

Expected days until customer payment Used when the fee increases over time

days

Advance rate Percentage released before the customer pays

Factoring fee

Fee method Select how the quoted rate is applied Quoted factoring rate Percentage of the gross invoice

The full quoted rate is charged once, regardless of payment timing.

Additional charges

Funding or transfer fee Wire, same-day ACH or other funding charge

Invoice processing fee

Reserve-release fee

Other invoice-level fees Do not include refundable reserve here

Optional monthly contract costs

Monthly account or platform fee

Expected invoices factored per month Allocates the monthly fee across invoices Monthly minimum shortfall Estimated amount owed when volume minimums are missed

Calculated instantly

Your real invoice outcome

Total factoring cost $0.00

Factoring fee, invoice-level charges and allocated monthly costs. The refundable reserve is not counted as a cost.

Cash funded initially $0.00

Reserve initially withheld $0.00

Expected reserve release $0.00

Total net proceeds $0.00

Effective cost of invoice 0.00%

Fee periods charged 1

Cash-flow sequence

Invoice submitted $0.00

Initial advance before fees $0.00

Costs deducted −$0.00

Reserve released after payment +$0.00

Cost breakdown

Core factoring fee: $0.00
Invoice-level extra charges: $0.00
Allocated monthly costs: $0.00

Not included automatically

Recourse repurchase risk, chargebacks, disputed freight, dilution, termination fees, lien-release costs and long-term contract obligations can matter more than the headline rate.

Planning estimate only. Apply the fee method and contract terms actually stated in the factoring agreement.

See what factoring really takes from an invoice.

Your factoring offer

Compare price, risk and contract control.