Free tools
Factoring & cash flow calculators
Run the numbers before you apply — no sign-up required.
- No sign-up and nothing stored
- Arithmetic runs in your browser
- Built on the same figures we quote
- Compare term sheets like for like
Why a quoted rate is not a price
Receivables pricing is almost always time-based, which makes a headline percentage close to meaningless on its own. A rate of 1.5% per 30 days is 1.5% if your customer pays on day 28 and 3% if they pay on day 31 and your funder bills in whole 30-day periods. Two quotes with identical rates can differ by thousands over a year purely on how each one counts days.
Advance rate confuses things further. A 95% advance is not cheaper than an 85% advance — the fee is charged on the face value of the invoice either way. The higher advance just moves more of your money forward; it does not reduce what you pay for it.
These three calculators exist to turn those percentages into dollars you can compare. Each one answers a different question.
Factoring Cost Calculator
“What will this invoice actually cost me to factor?”
Use it before you sign a term sheet, and again whenever a funder quotes a rate — a headline percentage per 30 days means something very different on an invoice paid in 45 days than on one paid in 25.
Open calculatorPO Financing Profit Calculator
“Is this order still worth taking after financing costs?”
Use it the moment a large purchase order lands. PO financing is priced on the funds advanced to your supplier and runs until your customer pays, so a thin-margin deal can lose money on a delay rather than on the rate.
Open calculatorDSO Calculator
“How much cash are my payment terms tying up?”
Use it before deciding you need financing at all. If your DSO is high because of invoicing delays rather than customer terms, fixing the process is cheaper than funding the gap.
Open calculatorReference
The figures behind the calculators
These are the ranges we work within. Your own quote depends on volume, customer credit and days-to-pay.
| Program | Advance | Typical cost | Funding speed |
|---|---|---|---|
| Accounts Receivable Financing | 80%–95% of invoice value | 0.75%–3% per 30 days | 24–48 hours after approval |
| Purchase Order Financing | Up to 100% of supplier costs | 1.5%–6% per 30 days | 5–10 business days for first deal |
| Invoice Factoring | Up to 95% upfront | 1%–3.5% per 30 days | Same day to 24 hours |
| Freight Factoring | Up to 97% of the load | 1.5%–4% flat per load | Same day after delivery |
How it works
From application to funding in three steps
Apply in 10 minutes
Share basic company info and a recent AR aging or purchase order.
Approval in 24–72 hours
We verify your customers and send a clear term sheet — every fee disclosed.
Funded by wire or ACH
Receive your advance, typically within 24 hours of submitting invoices.
Calculator FAQs
Go deeper
Accounts Receivable Financing Rates & Fees
What drives your rate, the fees to ask about, and how to compare two term sheets properly.
Read the guideReference
Glossary of receivables finance terms
Advance rate, reserve, dilution, UCC-1 — every term you'll meet on a term sheet, defined.
Read the guide
Ready to unlock your working capital?
Talk to a funding advisor today. Decisions in as little as 24 hours.