Invoice Factoring Cost
Work out the cost of factoring or discounting a UK invoice — the advance you receive upfront, the service fee, the discount charge, and the effective annual cost rate.
Проверени данни · юли 2026 г.
Is the effective annual cost rate the same as an APR?
It approximates one by annualising the combined service fee and discount charge over the invoice value and payment period, but it is not a regulated APR calculation — use it for comparison between financing options, not as a contractual disclosure.
Източник: UK Finance — Invoice Finance & Asset Based Lending market data; British Business Bank — Invoice finance guide. · актуализирано 2026
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Всичко за Invoice Factoring Cost
📋Представяне+
Invoice factoring advances a percentage of an invoice's value upfront, then charges a service fee on the invoice value plus a discount (interest-like) charge on the advanced amount for the days it remains outstanding until the customer pays. This calculator totals both charges and annualises the combined cost so you can compare factoring against other short-term finance options on a like-for-like basis.
💡 Добри практики
- Compare the effective annual cost rate here against a business overdraft or short-term loan — factoring is often more expensive per pound but frees up cash faster and shifts credit risk in some non-recourse arrangements.
- A longer days-until-payment assumption increases the discount charge — use your actual average customer payment terms, not the invoice due date, for an accurate cost.
- Service fees are sometimes tiered by monthly turnover — check whether the flat percentage used here matches your actual factoring agreement.
🔢 Конкретен пример
£10,000 invoice, 85% advance rate, 1.5% service fee, 8% discount rate, 45 days to payment: total cost of roughly £248, an effective annual cost rate around 2.5%.
📖Ръководство за употреба+
Как да използвате този калкулатор
- 1
Enter the invoice value and the advance rate the factor offers.
- 2
Enter the service fee percentage charged on the invoice value.
- 3
Enter the discount rate percentage charged on the advanced amount.
- 4
Enter the expected number of days until the customer pays.
📚Речник+
- Advance rate
- The percentage of an invoice's face value that a factoring company pays upfront, with the remainder (less fees) released once the customer pays in full.
- Discount charge
- The interest-like charge a factor applies to the advanced amount for each day it is outstanding, calculated using the discount rate and the number of days until payment.
ℹ️Източници и актуализации+
Последна актуализация на данните
7 юли 2026 г.
Източници и препратки
UK Finance — Invoice Finance & Asset Based Lending market data; British Business Bank — Invoice finance guide.
Данните на този калкулатор се актуализират редовно според последните официални ставки. При съмнение направете справка с официалните източници по-горе.
FAQ — Invoice Factoring Cost
Is the effective annual cost rate the same as an APR?+
It approximates one by annualising the combined service fee and discount charge over the invoice value and payment period, but it is not a regulated APR calculation — use it for comparison between financing options, not as a contractual disclosure.
What is the difference between factoring and invoice discounting?+
Factoring typically includes the factor managing collections from your customer, while invoice discounting keeps collections in-house and confidential — the cost structure modelled here (advance, service fee, discount charge) applies to both, though rates and fees vary by arrangement.