Invoice factoring cost calculator

Invoice amountAdvance rate (%)Fee for the first period (%)First period (days)Added fee per block (%)Added block (days)Days until your customer paysOther fees ($)

APR on the cash received27.4%

Cash you get now$80,000

Factoring fee$3,000

Total cost$3,000

Reserve paid after collection$17,000

Total you keep$97,000

Cost as a share of the invoice3.00%

Interest at SBA's maximum rate, same cash$1,425

If your customer pays 15 days later, the cost is $4,000 and the APR is 28.1%.

Estimates only. This is not a quote. Your factoring agreement controls the fee, the reserve and what happens if a customer does not pay. The math runs in your browser, and we do not save what you enter.

Open the full calculator for the method and the sources.

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Provided by sbaexpress.loans, a property of Janover Capital LLC. Not the SBA and not a lender. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.