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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

70% 80% 90%
1.0% 2.5% 5.0%
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💰 Financing Analysis

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Immediate Cash
$0
Total Financing Cost
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Annual APR

📊 Cash Flow Impact

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🎯 Eligibility Assessment

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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
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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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Ready to Improve Your Cash Flow?

Get matched with pre-screened receivables financing providers.

Disclaimer: This calculator provides estimates only. Actual rates and terms may vary. Consult with qualified financial professionals before making financing decisions.

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