Invoice Factoring Calculator
Last updated: October 15, 2026
Estimate factoring advances, fees, reserve release and net proceeds from an invoice.
Estimated upfront advance
—
- Estimated factoring fee: —
- Reserve released after fees: —
- Estimated total net proceeds: —
- Effective invoice cost: —
On this page
Quick summary: Estimate factoring advances, fees, reserve release and net proceeds from an invoice.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
Invoice Factoring Calculator
Inputs and units
Use the units shown for Invoice amount ($), Advance rate (%), Initial factoring fee (%), Weeks until customer payment, Additional fee per week (%). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.
Method and assumptions
The advance is invoice amount times advance percentage. Fees equal invoice amount times base fee plus the entered extra weekly fee after week one. Reserve release is the positive remainder of the retained reserve after fees. Final net proceeds equal the invoice amount minus every fee.
Worked example
For a 1,000 invoice with a 90% advance and a 20% fee, receive 900 initially. The 200 fee exceeds the 100 reserve, leaving 100 additionally owed and final net proceeds of 800.
Limitations
If fees exceed the reserve, the excess must still be paid; it does not disappear. Collection delays, recourse, additional charges and uneven cash-flow timing are excluded.