Tool

Invoice Financing Calculator

Estimate invoice-backed financing proceeds, repayment cost, net cash, and effective APR before borrowing against an unpaid invoice.

Invoice financing versus factoring

Invoice financing usually means borrowing against an unpaid invoice and repaying when the customer pays. Factoring often means selling the invoice or assigning collection rights. The practical cost depends on fees, timing, customer payment speed, recourse terms, and reserve rules.

This calculator is an estimate for comparison only. Review the financing agreement and confirm legal, accounting, and tax treatment before using invoice-backed funding.