FinancieringEindhoven

Factoring cost calculator

What will factoring cost your business? Check your quote, from the cost per invoice to the monthly impact on working capital.

Illustrative inputs, not an offer or market average. Replace them with the rates in your quote.

Pricing structure
Other costs in your quote

The minimum applies only to the percentage service fee here. If your contract uses a different basis, ask your provider for a calculation.

Your indicative costs

Per invoice

€453.34

2.27% of invoice value

Per month
€2,266.71
Per year at constant volume
€27,200.55

Cost breakdown per invoice

Service fee / all-in rate
€240.00
Funding interest
€155.34
Credit insurance
€50.00
Per-invoice charges
€8.00
Fixed costs + minimum top-up
€0.00
Gross advance
€18,000.00
Final settlement after all costs
€1,546.66
Net proceeds per invoice
€19,546.66

An estimate, not a quote. Use the same contractual invoice basis throughout (including or excluding VAT). Simple daily interest uses a 365-day year. The advance is gross; this model deducts all costs at final settlement. Actual deductions may occur earlier. Setup charges, VAT on fees, disputes and additional surcharges are not automatically included.

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How factoring costs are calculated

How much does factoring cost? Look beyond one percentage

A low headline fee does not necessarily mean low total costs. An all-in quote may include funding, credit control and insurance. A separate service fee may exclude interest and other charges. First select the pricing structure in your quote, then calculate all charges on the same basis.

The calculation

Service fee = invoice value × fee percentage. Advance = invoice value × advance percentage. Separate interest = advance × annual rate × payment days / 365. Add separate insurance and per-invoice charges where applicable. Monthly fixed costs and any service-fee minimum top-up are shared across monthly invoices. Monthly costs equal per-invoice costs × invoice count; annual costs assume twelve identical months.

Example: a €20,000 invoice

A 90% advance provides €18,000 gross. At a 1.2% fee, 7% separate annual interest and payment after 45 days, the fee is €240 and interest €155.34. Add €50 separate insurance and €8 invoice charges: €453.34 total, or 2.27% of the invoice. These are fictional example rates, not an available offer.

Average factoring costs: use your own receivables

No universal average can assess your quote. Fixed charges weigh more heavily on smaller invoices; longer payment periods increase separate interest. Recalculate with 30, 60 or 90 days and actual invoice volumes. The resulting percentage is a cost for this invoice cycle, not an effective annual interest rate: it includes services too.

Factoring in Eindhoven and Brainport

Supplying large customers from Eindhoven, Veldhoven or Helmond? Use their actual payment times, not just agreed terms. Run separate calculations for different customer groups. Alongside price, check debtor limits, recourse, pledges, notice periods and disputed invoices. This tool calculates costs; it does not assess invoice eligibility.

Read our guide to factoring rates · Factoring · Working capital

Questions about factoring costs

How do I avoid counting interest twice?

Choose all-in when interest and insurance are already included. Add only charges outside that rate. For a separate service fee, use the contractual interest and insurance charges.

What is a minimum service fee?

This calculator treats it as a monthly floor for the percentage service fee. Only the shortfall is added. Your contract may use a different minimum or calculation basis.

Should I include VAT?

Use the contractual basis for fees and advances. This tool assumes a single shared basis. If your contract uses different bases, ask for a separate calculation. VAT on charges is not automatically included.

Editorial team FinancieringEindhoven.nl · Updated 28 October 2026