Factoring fee calculator
Estimate a simple factoring fee from invoice amount, fee rate, and days outstanding.
Estimate only. Estimate only. This calculator runs locally in the browser, does not collect inputs, does not send requests, and does not represent an offered or promised rate.
Result will appear here.
Enter values and calculate. No inputs are transmitted.
Input limits
- Invoice amount must be greater than zero.
- Fee rate must be between 0 and 25 percent for this estimate.
Example calculation
- $10,000 invoice
- 3.00% factoring fee
- Estimated fee: $300 before other charges
What this estimate does not include
- Wire, ACH, mailing, invoice-upload, or platform fees.
- Minimum monthly fees, unused-line fees, or early termination fees.
- Reserve adjustments from disputes, short pays, credits, or chargebacks.
- Different fee tiers if the customer pays later than expected.
Questions to ask a factoring company
- Is the fee based on invoice face value or the amount advanced?
- Does the fee increase by day, week, or month?
- Are there minimum fees or transaction charges?
- What happens if the customer short pays or disputes the invoice?
FAQ
Does this show my actual fee?
No. It is an estimate only. Actual fees vary by provider and contract.
Does it include wire, minimum, or termination charges?
No. Add-on charges must be reviewed in the agreement.
Sources
- International Factoring Association - International Factoring Association. Accessed 2026-05-19.
- Secured Finance Network - Secured Finance Network. Accessed 2026-05-19.
Financial disclaimer. This page is educational only and is not financial, legal, tax, accounting, or credit advice. Factoring terms vary by provider and contract. Read the full disclaimer.