Business
Invoice factoring cost Calculator
Estimate cash advanced, financing fees and the eventual net receipt. This free invoice factoring cost calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Estimate cash advanced, financing fees and the eventual net receipt.
Calculated outcomes
- Advance
- €17,000.00
- Service Fee
- €300.00
- Finance Fee
- €188.63
- Cost Of Invoice Percent
- 2.64%
Assumptions and estimates
- Assumes the advance remains outstanding for the full collection period. The initial cash figure deducts service and other fees; provider timing, minimum fees, recourse and bad-debt cover can differ.
- Method: Advance = invoice × advance percentage. Finance charge = advance × annual rate × days ÷ 365.
- Provider recourse, bad-debt cover, minimum fees and timing vary. Model uses a constant advance until collection.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the invoice factoring cost calculation works
Advance = invoice × advance percentage. Finance charge = advance × annual rate × days ÷ 365.
Provider recourse, bad-debt cover, minimum fees and timing vary. Model uses a constant advance until collection.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review initial cash after fees and total factoring cost and eventual net receipt, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Invoice face value (€)
- 20000
- Advance (%)
- 85
- Invoice service fee (%)
- 1.5
- Annual advance financing rate (%)
- 9
- Collection period (days)
- 45
- Other fees (€)
- 40
- Initial Cash After Fees
- €16,660.00
- Total Factoring Cost
- €528.63
- Eventual Net Receipt
- €19,471.37