SuperCalc

Receivables Financing Calculator - Compare Costs & Find the Best Rates | 2025

Free receivables financing calculator. Compare factoring costs, assess eligibility, and find the best AR financing providers. Calculate rates, fees, and savings instantly.

Receivables Financing Calculator - Compare Costs & Find the Best Rates | 2025

Free receivables financing calculator. Compare factoring costs, assess eligibility, and find the best AR financing providers. Calculate rates, fees, and savings instantly.

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💰 Receivables Financing Calculator

Calculate costs, compare providers, and find the best AR financing rates

Free Calculator

No Registration

Instant Results

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🧮 Financing Cost Calculator

Invoice Amount ($)

Advance Rate (%)

70% 80% 90%

Factoring Fee (% per month)

1.0% 2.5% 5.0%

Payment Terms (Days)

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💰 Financing Analysis

$0

Immediate Cash

$0

Total Financing Cost

0%

Annual APR

📊 Cash Flow Impact

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🎯 Eligibility Assessment

Monthly Sales ($)

Customer Credit Quality

Average Collection Period (Days)

Business Age (Years)

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🏢 Provider Comparison

BlueVine Capital

Fast approval, tech-friendly

Rate: 1.0% - 3.0%/month

Advance: 85% - 90%

Min: $10K/month

Fundbox

Small business focus

Rate: 1.5% - 4.5%/month

Advance: 80% - 85%

Min: $1K/month

RMP Capital

Flexible terms

Rate: 2.0% - 5.0%/month

Advance: 75% - 85%

Min: $25K/month

Triumph Capital

Industry specialist

Rate: 1.2% - 3.5%/month

Advance: 80% - 90%

Min: $50K/month

Porter Capital

Established factoring

Rate: 1.5% - 4.0%/month

Advance: 85% - 90%

Min: $100K/month

Get Matched with Providers

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📚 Quick Guide

1

Calculate Costs: Enter your invoice details to see exact financing costs and APR.

2

Check Eligibility: Assess if your business qualifies for receivables financing.

3

Compare Providers: Review rates and terms from top factoring companies.

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📖 Understanding Receivables Financing

What is Receivables Financing?

Receivables financing, also known as accounts receivable factoring, is a financial solution where businesses sell their unpaid invoices to a factoring company at a discount to get immediate cash flow.

Instead of waiting 30-90 days for customers to pay, you can receive 80-90% of your invoice value within 24-48 hours.

✅ Benefits:

Immediate cash flow improvement
No debt added to balance sheet
Credit checks done on your customers
Collection services included
Flexible financing solution

How Does the Cost Work?

Example Calculation:

Invoice Amount: $100,000

Advance Rate: 85%

Factoring Fee: 2.5%/month

Payment Terms: 45 days

Immediate Cash: $85,000

Total Fee: $3,750

Net Received: $81,250

Effective APR: 20.0%

⚠️ Additional Fees to Consider:

Setup/application fee: $0 - $500
Due diligence fee: $300 - $1,000
Wire transfer fees: $15 - $25
Monthly maintenance: $25 - $100

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❓ Frequently Asked Questions

Who qualifies for receivables financing?

Businesses with B2B customers, monthly sales over $10K, and customers with good credit typically qualify. Most factors require at least 6 months in business.

How quickly can I get funded?

Once approved, funding typically happens within 24-48 hours of invoice submission. Initial approval process takes 1-3 business days.

Is factoring better than a bank loan?

It depends on your needs. Factoring is faster and doesn't require collateral, but costs more than bank loans. Best for urgent cash flow needs.

What industries work best?

Manufacturing, wholesale, professional services, and B2B industries with creditworthy customers work best for receivables financing.

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