What factoring an invoice really puts in your account

Enter the invoice, advance rate, fee and how long your customer takes to pay to see cash today, the reserve and the real cost.

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Invoice amount$50,000

Advance rate88%

Fee per 30 days2%

Customer days to pay45 days

Estimates only, not an offer or an APR disclosure. Nothing you enter leaves your browser and no credit is checked.

Cash in your account today

$44,000

Reserve released when the customer pays: $4,000

Factoring fee

$2,000

Fee as % of invoice

4.0%

Annualized cost

36.9%

Fee periods charged

2 × 30 days

Get real numbers on your file

Four minutes · Soft review · No obligation

Results are estimates for comparison only, not an offer of credit or financial advice.

Tool questions

Questions we get every night.

No. You are selling a receivable, so it does not add debt to your balance sheet.

Roughly 80% to 93% of the invoice, with the rest released minus fees when your customer pays.

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When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

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Funding programs

What factoring an invoice really puts in your account

Factoring fee

Fee as % of invoice

Annualized cost

Fee periods charged

Questions we get every night.

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When your bank says no. We find who says yes.