Quick answer
Janitorial factoring typically costs 1%–3.5% of invoice value per 30 days with advances of 80%–95%. The biggest price drivers are monthly volume, your customers' credit and how quickly they pay.
Key takeaways
- Higher monthly volume earns lower rates.
- Faster-paying customers mean lower total cost.
- Ask for the all-in cost on a typical invoice.
What are typical janitorial factoring rates?
Most janitorial accounts price between 1% and 3.5% per 30 days. Because customers pay in 30–60 days from commercial clients, the effective cost per invoice usually lands between 1.5% and 5%.
What changes your rate
Monthly volume, customer credit quality, average days-to-pay, invoice size, recourse vs. non-recourse and how many customers you invoice. Clean documentation also helps.
Worked example
A janitorial company factors $80,000 a month at 1.75% per 30 days. Customers pay in 45 days, so the fee is about 2.6%, or roughly $2,100 — in exchange for getting cash 6 weeks sooner.
Is it worth the cost?
If immediate cash lets you take a bigger contract, capture supplier discounts or avoid late payroll, the return is usually far larger than the fee.
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Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
