Quick answer
Factoring companies earn a discount fee — typically 1%–3.5% of invoice value per 30 days — plus any agreed service fees. The reserve is not a fee; it's returned when customers pay.
Discount fee
The main revenue, charged per period an invoice is outstanding.
Other fees
Some charge setup, ACH or monthly minimums — ask for full disclosure.
The reserve
The held-back 5%–20% is returned to you minus fees.
Get a funding quote in 24 hours
Talk to a National Invoice Factoring specialist at (929) 658-8087 or apply online — no obligation.
Apply now
Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
