An accounts receivable financing calculator (also known as an invoice factoring calculator or opportunity cost calculator) enables you to see how much working capital you could unlock using A/R receivables financing, instead of waiting for a customer to pay. Our calculator is designed to show these numbers at an individual invoice level, based on your average invoice amount.
For instance, let’s say that your customer invoices range anywhere from $25,000 – $250,000, but come in on average around $140,000. Enter $140,000 into the A/R financing calculator and you’ll see that (assuming an advance rate of 98% and 1% factoring fee):
- Receivables financing provides immediate access to $137,200 of the invoice amount
- The financing company earns a $1,400 financing fee
- $1,400 placed in reserve to be returned to you when the customer remits payment in full
You can experiment with your own average invoice amount in the form here, or enter your total outstanding accounts receivable amount to see how much working capital you may be able to unlock immediately using receivables financing. Then request a completely free, no-obligation quote and we’ll source receivables financing proposals on your behalf with no application or due diligence fees.