How to use this calculator
- Enter invoice face amount, advance rate (%), flat fee on invoice (%), days financed.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
One flat fee, no rolling charges, recourse risk or late collection; simple annualization is not a regulated APR.
Worked example
With invoice face amount = 10000, advance rate (%) = 80, flat fee on invoice (%) = 2, days financed = 30, initial advance is approximately 8000.
What the result means
Separate immediate funding from reserve release after the invoice is collected.
Common questions
How should I interpret initial advance?
Separate immediate funding from reserve release after the invoice is collected.
What should I check before using this result?
One flat fee, no rolling charges, recourse risk or late collection; simple annualization is not a regulated APR.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.