Business Finance

Invoice Finance Calculator

See how much working capital you can release from your unpaid invoices, and what it costs each month, on factoring or confidential invoice discounting. An estimate, not a quote.

Calculator

How much can you release?

Cash Released
£153,000
Against £180,000 debtor book
Total Monthly Cost
£2,628.75
Service Fee / mo
£1,800.00
Discount Charge / mo
£828.75

Effective cost of the facility 20.6% p.a.

An estimate only. Confidential invoice discounting is modelled at a lower service fee than factoring. Actual pricing depends on your ledger quality, sector and debtor spread.

Factoring vs discounting

Release cash tied up in invoices

Invoice finance advances most of an invoice’s value as soon as you raise it, rather than waiting the full debtor period for your customer to pay. With factoring, the lender manages collections; with confidential invoice discounting, your customers never know a facility is in place.

The facility grows automatically with your sales, making it one of the most scalable forms of working capital.

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