Factoring calculator
See your advance, reserve and rebate.
Estimate how much of an invoice you receive upfront and how much comes back after your customer pays.
Invoice factoring calculator
Invoice
Factor terms
Usually the day your customer pays, or a few days later.
Illustrative estimates only — not an offer, rate quote or commitment to fund or lend.
How this calculator works
Example: on a $100,000 invoice with an 85% advance, you receive $85,000 upfront and $15,000 is held in reserve.
If the fee is 2% ($2,000), the factor returns $13,000 when your customer pays — $98,000 in total. Fees often rise the longer an invoice is outstanding.
Frequently asked questions
What is the reserve?
The part of the invoice the factor holds back until your customer pays. After deducting its fee, the factor returns the rest as a rebate.
Why does the fee change with days outstanding?
Many factors charge per period, such as every 30 days. If your customer pays late, the fee increases and the rebate shrinks.
Does this include minimum fees?
Check your agreement. Some factors charge monthly minimums or other fees that the calculator may not include.
Is the result an offer?
No. It is an illustrative estimate. Each factor sets its own terms.
Want help reading your results?
A specialist can walk through the estimate with you and explain which options may fit.