For delivered goods, completed services or eligible progress billing. Service businesses, staffing companies, manufacturers, distributors, logistics businesses and eligible construction companies may be a fit.
Invoice factoring · U.S. businesses · USD
Turn unpaid business invoices into working capital.
Waiting for customers to pay can put pressure on payroll, suppliers and your next project. Invoice factoring lets you receive part of an eligible invoice’s value upfront, then the remaining reserve after collection, less agreed fees and deductions.
I help you assess the receivables, the customers behind them and the full cost, so the structure fits your cash flow.
Built around your receivables
Put completed work to work for your business.
Access cash before customers pay to support payroll, suppliers and ongoing work. Compare the cost with your margins and how long customers usually take to pay.
A facility increase may be possible as eligible receivables grow, subject to approval. Customer credit, concentration limits, invoice disputes and existing financing can affect availability.
How it works
From an unpaid invoice to available cash.
Share the invoice profile
Provide your outstanding invoices, customer payment terms and basic business information.
Confirm eligibility
The funding provider reviews your customers, verifies invoices and checks documentation and existing claims over receivables.
Receive the advance
Receive the agreed advance after approval and completion of closing requirements. Applicable upfront charges are confirmed in the agreement.
Release the reserve
Your customer pays the funding provider. The remaining reserve is released after collection, less fees and any applicable deductions.
Historical examples · all amounts USD
Five proposals. Each with its own terms.
These previous proposals included $100,000–$1.5 million facilities, 70%–85% advances and first-period fees as low as 1.5%. The broader program may offer advances up to 98%; these historical examples do not set its maximum capacity. Each row is a separate past proposal, not a current offer. The calculator keeps each example’s terms together.
Swipe or scroll to see every column. Example labels stay visible.
| Example | Facility limit | Advance | First 30-day fee | 60-day total fee | 90-day total fee |
|---|---|---|---|---|---|
| Example AJune 2026 | $175,000 | 85% | 1.50% | Quote required | Quote required |
| Example BMarch 2026 | $350,000 | 80% | 1.50% | 2.75% | 4.25% |
| Example COctober 2025 | $750,000 | 80% | 1.60% | Quote required | Quote required |
| Example DJune 2025 | $1,500,000 | 75% | 1.75% | Quote required | Quote required |
| Example EFebruary 2026 | $100,000 | 70% | 1.75% | Quote required | Quote required |
Example B includes later collection examples: total fees of 2.00% at 45 days, 2.75% at 60 days and 4.25% at 90 days. Each percentage is the total fee for that example, not an extra charge to add to the first 1.50%.
A facility is not a cash balance. The limit measures eligible outstanding receivables. The advance rate, other invoices already using the facility, customer limits and agreement conditions affect cash availability.
Transfer and other charges, minimum annual volume commitments, guarantees, customer notification and other conditions may apply. Later-period fees were not supplied for Examples A, C, D or E and require a quote.
Explore the cash flow · USD
Invoice factoring calculator
See the upfront advance, the factoring fee, and the reserve released after your customer pays. Choose one historical proposal at a time. Each example keeps its own facility limit, advance, and pricing together. For an advance up to 98%, request a current quote; the historical fee presets do not establish pricing at that advance level.
Historical examples, not current offers. The fee is a percentage of the invoice amount, not an APR. This illustration assumes the invoice is eligible, collected in full at the selected pricing checkpoint, and no other invoices are using the facility.
Your invoice & example
Example B includes 30-, 45-, 60- and 90-day pricing. Each example keeps its own terms.
- Facility limit
- $350,000
- Gross advance
- 80%
- First 30-day fee
- 1.50%
The facility caps eligible outstanding invoice face value, not cash you can withdraw. Other invoices, customer limits, and underwriting may reduce available capacity.
Example B total fees: 1.50% at 30 days, 2.00% at 45 days, 2.75% at 60 days and 4.25% at 90 days. Later percentages are total fees, not additional charges. Other collection dates require a quote.
Leave blank if unknown. Unspecified charges are not included, and are not assumed to be waived.
Estimated cash flow · USD
Gross advance before deductions
Released after approval and completion of funding requirements.
- Initial reserveInvoice amount less the gross advance
- Factoring fee
- Reserve released after collectionAfter factoring fee; before other deductions
- Total proceeds before other chargesGross advance plus reserve released
- Transfer & other charges entered
- Total after entered charges
Estimates assume full customer payment and exclude charges not shown. The calculator does not model invoice disputes, deductions, nonpayment, minimum volume commitments, or a borrowing base. A written quote and final agreement determine eligibility, availability, pricing, reserve release, and when any charges are paid.
Calculation: advance = invoice × advance percentage; factoring fee = invoice × selected total fee percentage; reserve released = invoice − advance − factoring fee.
Your estimate will appear in the inquiry for you to review and edit. Calculating does not submit a request.
Prepare for a review
Start with the invoices and the customers.
- Current accounts receivable aging and a customer list with payment terms
- Sample invoices and supporting contracts, purchase orders, delivery records or evidence of completed work
- Details supporting any progress billing, acceptance requirements or payment disputes
- Basic business information, recent financials and bank statements as requested
- Details of existing financing and any claims affecting the receivables
This is preparation guidance. The final document request depends on the business, its customers and the proposed structure. Introduce the request through the form; supporting documents can follow through the review process.
View the application checklistFAQ
Common invoice factoring questions.
When is invoice factoring a good fit?
It can suit a business with eligible invoices owed by creditworthy business customers for delivered goods, completed services or approved progress billing. Customer quality, invoice documentation, disputes, concentration and your margins all matter. We can compare factoring with a line of credit or another working capital option.
Can the advance be higher than the historical examples?
Yes. Available programs may advance up to 98% of eligible invoice face value, subject to underwriting and final terms. The 98% is an advance percentage, not a factoring fee or APR. The historical calculator presets use the specific 70%–85% advances and fees from those past proposals; they do not establish pricing for a 98% advance.
What does up to $10 million per year mean?
It describes the annual value of receivables funded through the program. Annual funding volume is separate from your approved outstanding facility limit. The facility, invoice eligibility, advance percentage, customer limits, existing usage and agreement determine the cash available at any one time.
Are the example terms available today?
The figures shown come from separate historical, client-specific proposals. They are not a combined offer or a promise of current terms. A written quote and final agreement determine facility size, advance, fees, eligibility and other conditions.
Is a 1.5% factoring fee the same as a 1.5% APR?
No. In the historical example, 1.5% is a fee on the invoice face amount for the first 30-day pricing period. It is not an annual percentage rate. Collection timing and any additional charges affect the total cost.
Does a $1.5 million facility mean $1.5 million of cash?
No. The facility limits eligible outstanding receivables. Cash advanced depends on the eligible invoice amount, the advance percentage, current facility usage, reserves, customer limits and other agreement conditions.
How quickly can the first funding close?
Some past proposals referenced closing within five business days after acceptance and satisfaction of all conditions. This is historical context, not a funding promise. Approval, customer and invoice verification, documentation and any required lien clearance determine the actual timing.
Will customers know, and who collects payment?
In the process illustrated here, your customer pays the funding provider. Customer verification, notification and payment instructions may be required. Confirm the collection process and customer communication before accepting a proposal.
Am I protected if a customer does not pay?
Do not assume blanket protection. Recourse, guarantees, disputes, credits, deductions and any limited credit protection depend on the signed agreement. Other charges and minimum annual volume commitments may also apply.
Can I apply with existing financing?
Disclose current loans, lines of credit, factoring arrangements and merchant cash advances. Existing claims over receivables may need to be resolved before funding. An acceptable arrangement depends on the existing agreements and the parties involved; it is not guaranteed.
Your next step
Find out what your invoices could support.
Tell me what you invoice, who pays and how long payment usually takes. We can assess factoring alongside a line of credit or purchase-order financing and request terms that fit the business.
Compare a line of credit · Explore purchase-order financing
All figures are USD. Historical, client-specific examples are not current offers. Pricing and availability depend on underwriting, customer credit, invoice eligibility, collection timing and final agreements.