Loans & consolidation
Invoice Factoring Cost and Reserve Calculator
Estimate invoice factoring funding, time-based fees and the reserve released at collection.
How to use this calculator
- Gather invoice value; advance rate; fee schedule; collection days. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review net funding; reserve release; total cost; timing. Open the breakdown and export a copy for discussion.
How the calculation works
Initial advance is invoice value times advance rate. Fee periods round collection days up to full billing periods. Total factoring fees use invoice face as the base; reserve release is invoice value less advance and time fees.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Initial funding before separate fees
- $85,000.00
- Reserve release / additional amount due
- $11,000.00
- Total fees
- $4,500.00
- Net proceeds after all fees
- $95,500.00
Questions about the results
What does this tool include?
Estimate invoice factoring funding, time-based fees and the reserve released at collection. Initial advance is invoice value times advance rate. Fee periods round collection days up to full billing periods. Total factoring fees use invoice face as the base; reserve release is invoice value less advance and time fees.
What should I verify before relying on the result?
This uses a full-period fee convention and invoice-face fee base. Change the quote inputs only if that matches your agreement. Recourse and collection risk remain separate.
What this result does and does not tell you
This uses a full-period fee convention and invoice-face fee base. Change the quote inputs only if that matches your agreement. Recourse and collection risk remain separate.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.