Estimate your cash advance and the factoring fee on your outstanding invoices, then compare offers from 50 lenders.
Invoice factoring advances most of an invoice’s value upfront and releases the rest, minus a fee, when your customer pays. This calculator estimates the cash you would receive today and what you net after the fee, based on your receivables and customer terms.
Because approval rides on your customers’ credit rather than yours, factoring is open to newer and lower-credit businesses. One application compares factoring offers from 50 lenders.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Factoring fees typically run 1% to 5% of the invoice value, depending on customer terms and volume. The advance is usually 80–90% upfront, with the balance (less the fee) released when the customer pays. This calculator estimates both.
Commonly 80–90% upfront. The exact advance depends on the lender, your industry, and your customers’ credit. One application compares advance rates and fees across the network.
No. The invoice factoring calculator runs entirely in your browser — nothing is submitted and there is no credit check. When you are ready to compare real offers, EQ Funding pre-qualifies you with a soft pull that has no effect on your score; a hard inquiry only happens if you accept a specific lender's offer.
An estimate uses typical lender criteria and rate bands. Real offers are priced by individual lenders against your actual revenue, time in business, credit, and industry, so they can come in better or worse than the invoice factoring calculator shows. The point of the estimate is to set expectations before you apply — the real numbers come from comparing actual offers.
Apply once. One 2-minute application puts your file in front of 50 lenders that compete to fund it, with real, side-by-side offers back in about 24 hours and no obligation to accept any of them. You only move forward if an offer actually works for you.
Completely free, with no signup. EQ Funding is also free to you if you apply — lenders pay a fee when your deal closes, never you.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.