Result
Factoring cost
—
Your inputs are stored in this browser, so everything is still here next time. Nothing is sent to a server.
This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Factoring cost = invoice amount × fee rate ÷ 100. The company gets the invoice money right away (minus this fee), instead of waiting for the buyer to pay under normal payment terms — the fee is the price of that speed-up.
In real contracts, the factoring fee often has several components: a fixed percentage for the service and an extra charge per day until the buyer actually pays — this calculator uses just the base rate, entered as a whole if your contract already combines both parts.
To see whether factoring beats an alternative — say, a short-term loan for the same amount — compare this cost against a loan's cost over the same period with the separate factoring vs loan calculator.