Factoring Cost Calculator — What Quick Cash Costs
Invoice × rate + flat fee. See what you get today, what is held as reserve, and what a year of it costs.
FACTORING FEE THIS LOAD
$—
You get today (advance)—
Reserve (paid later)—
You keep total—
Annual cost at this pace—
Worked example: $5,000 invoice at 3%, 95% advance
Fee $150.00, advance $4,750.00 today, reserve $100.00 later. You keep $4,850.00. At 4 loads a month the year costs $7,200.00.
The factoring fine print
What does factoring cost per load?
Invoice × rate % plus any flat fee. At 3% on a $5,000 invoice, $150 — you keep $4,850 total, $4,750 today with a 95% advance.
What is a good factoring rate in 2026?
Non-recourse 2–5% is typical for owner-operators; below 3% with no hidden fees is competitive. Above 5%, quick-pay or waiting 30 days is usually cheaper.
What is the reserve in factoring?
The holdback: invoice minus advance minus fee, released when the broker pays. At 95% advance and 3% fee on $5,000, $100 comes later — not extra income.