Invoice Financing Calculator

Calculate how much working capital you can unlock from unpaid invoices. See the advance amount, fees, and net proceeds for different scenarios.

Invoice Amount100 000 EUR

Advance Rate100,0 %

Fee Rate2,5 %

Advance Amount100 000,00 EUR

Fee Amount2 500,00 EUR

Remaining Balance-2 500,00 EUR

TL;DR

Enter your invoice amount (from 500 EUR), advance rate (up to 100%), and fee percentage (1.5% to 5.0%) to calculate your immediate cash advance and total cost. The calculator shows what you receive upfront and what you receive after your customer pays.

How to Use the Calculator

Enter the total value of the invoice or invoices you want to finance. Set the advance rate (how much you receive immediately). Providers offer up to 100%, with 100% being our standard. Set the fee percentage per invoice. Rates range from 1.5% to 5.0% depending on volume, customer quality, and payment terms. The calculator shows: the advance amount (cash you receive within hours), the fee amount, and the net amount you receive after the fee is deducted.

Example Calculations

Single invoice of 25,000 EUR at 100% advance and 2.5% fee: you receive 24,375 EUR immediately (25,000 minus 625 fee). When the customer pays, the full 25,000 EUR goes to the provider. Your total cost is 625 EUR. Monthly scenario: 100,000 EUR in invoices per month at 100% advance and 2.0% fee. You receive 98,000 EUR immediately each month. Monthly cost: 2,000 EUR. Annual cost: 24,000 EUR. Compare this to a business loan at 7.9% on 100,000 EUR, which would cost roughly 7,900 EUR per year in interest. Invoice financing costs more annually but requires no debt commitment and scales with your revenue.

Frequently Asked Questions

What advance rate should I expect?: With FinanceCompany, you receive 100% from day one. The full invoice value is advanced to you, minus the provider's fee.
Why does the fee percentage vary so much?: The fee reflects risk and cost. Large invoices from creditworthy customers with short payment terms (14 to 30 days) get the lowest fees (1.5% to 2.0%). Small invoices from less-established customers with long terms (90+ days) see fees of 3.5% to 5.0%.
Is invoice financing more expensive than a loan?: On an annualized basis, yes. A 2.5% per-invoice fee on 30-day payment terms works out to roughly 30% annual cost. A business loan at 7.9% is cheaper for long-term needs. Invoice financing wins on flexibility, speed, and the absence of debt on your balance sheet.
Can I finance partial invoices?: Most providers require you to finance the full invoice amount. Some offer partial financing for invoices above 50,000 EUR, but this is not standard practice in the market.
What if my customer pays late?: In recourse arrangements, extended payment periods may trigger additional fees (typically 0.5% to 1.0% per extra 30 days). In non-recourse arrangements, the provider absorbs the delay risk, but fees are higher from the start.
How many invoices do I need to finance at once?: There is no minimum number. You can finance a single invoice or batch multiple invoices together. Batch submissions often receive slightly better rates due to diversified risk.

See What Your Invoices Are Worth

Get actual advance rates and fees from invoice financing providers. Rates vary by your customer profile and volume.

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Invoice Financing

How to Use the Calculator

Example Calculations

Frequently Asked Questions

What advance rate should I expect?

With FinanceCompany, you receive 100% from day one. The full invoice value is advanced to you, minus the provider's fee.

Why does the fee percentage vary so much?

The fee reflects risk and cost. Large invoices from creditworthy customers with short payment terms (14 to 30 days) get the lowest fees (1.5% to 2.0%). Small invoices from less-established customers with long terms (90+ days) see fees of 3.5% to 5.0%.

Is invoice financing more expensive than a loan?

On an annualized basis, yes. A 2.5% per-invoice fee on 30-day payment terms works out to roughly 30% annual cost. A business loan at 7.9% is cheaper for long-term needs. Invoice financing wins on flexibility, speed, and the absence of debt on your balance sheet.

Can I finance partial invoices?

Most providers require you to finance the full invoice amount. Some offer partial financing for invoices above 50,000 EUR, but this is not standard practice in the market.

What if my customer pays late?

In recourse arrangements, extended payment periods may trigger additional fees (typically 0.5% to 1.0% per extra 30 days). In non-recourse arrangements, the provider absorbs the delay risk, but fees are higher from the start.

How many invoices do I need to finance at once?

There is no minimum number. You can finance a single invoice or batch multiple invoices together. Batch submissions often receive slightly better rates due to diversified risk.