How much does factoring an invoice cost?

A factoring fee is the share of an invoice a factoring company keeps for paying you now instead of waiting for the broker. The fee is the invoice amount × the fee percent, plus any flat fee per invoice; if the advance is less than the whole invoice, the rest is held until the broker pays. Type your invoice and terms to see what you get now and in the end.

Invoice amount

Factoring fee percent

Flat fee per invoice (wire, ACH)

Advance percent

Fill in the boxes to see the results.

This calculator runs in your browser. Nothing you type is sent to Tovarlo or saved.

How do I use it?

Type the invoice amount.
Type the fee percent and any flat fee per invoice from your factoring agreement.
Type the advance percent (100 if you get it all at once).
Read the fee, what’s paid now, what’s held and what you keep.

Questions

What is the advance and the reserve?

Some factoring companies pay part of the invoice now (the advance) and hold the rest (the reserve) until the broker pays them, less the fee.

Does Tovarlo work with factoring?

Yes. Tovarlo builds the factoring packet (invoice, rate con, BOL and POD in one PDF), records the factoring fee on the invoice and counts it in each load’s profit.

Are there other fees?

Some agreements add others, such as fees for late broker payments. Check your agreement; this calculator takes a percent and one flat fee per invoice.

Estimates for planning, not tax, legal or accounting advice.

Page checked on November 7, 2026.