Invoice Finance Calculator
Estimate the working capital potentially released from eligible B2B invoices and model the two common cost components: service fee and discount charge.
Your assumptions
Use the slider or enter an exact value.
Estimated cash released
Initial advance
Reserve balance
Monthly service fee
Monthly discount charge
Estimated annual cost
Potential cashflow improvement
Effective debtor-day reduction
These results are estimates and do not constitute an offer of finance. Actual rates, fees, terms and eligibility will depend on the applicant, lender assessment, security and full underwriting.
How This Estimate Is Calculated
See What Funding May Be Available
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Frequently asked questions
Why are there two charges?
Many facilities have a service fee for administration and a discount charge similar to interest on funds in use. Other fees can also apply.
Are all invoices eligible?
No. Concentration, age, disputes, contractual terms, debtor location and credit quality can affect eligibility.
Does invoice finance reduce debtor days?
It releases cash earlier but does not necessarily change when customers pay. The effective reduction shown reflects the proportion advanced.