Free Tools
Invoice & Cash Flow Tools
Check your factoring eligibility, calculate exact payouts, and find out how much cash your business loses to delayed payments — free, instant, no account needed.
Eligibility Checker
4 quick questions to find out if your invoices qualify for factoring and which companies match you.
What type of business do you run?
Step 1 of 4
Factoring Rate Calculator
Enter your invoice amount and rate to see exactly how much you'd receive after fees.
Cash Flow Gap Calculator
See exactly how much cash is stuck in unpaid invoices, your monthly cash gap, working capital needed, and whether you risk missing payroll — based on your payment terms. Includes Net-30 vs Net-60 vs Net-90 comparison.
What advance rate should I expect?
Most companies advance 80–95% upfront. Trucking factoring often goes up to 97%.
How long does approval take?
Most factoring companies approve within 24–48 hours. Some offer same-day funding.
Does factoring hurt my credit?
No. Factoring is a sale of your receivables, not a loan. Your credit score is not affected.
Ready to compare factoring companies?
Now that you know your numbers, find which company offers the best rates for your industry.
Compare Factoring Companies →