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Invoice Financing Calculator: Estimate Loan Amount, Fees and APR

Use this calculator to estimate your funding amount, total fees, APR and more before choosing an invoice financing company.

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Jun 17, 2026 1:02p.m. PDT

Written by

Lead Writer & Content Strategist

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Edited by

Managing Editor

Invoice financing, or accounts receivable financing, helps B2B companies turn unpaid invoices into fast cash. But when you run the numbers, you’ll find it can be expensive compared with other types of small-business loans .

Companies typically charge between 10% and 79% APR. For reference, average APRs for conventional bank loans range from 6.37% to 10.98% , and maximum variable rates for SBA 7(a) loans are currently between 9.75% to 13.25% .

Because our invoice financing calculator estimates APR, you can use it to easily compare costs with different accounts receivable financing companies or against other types of business financing.

We’ll start with a brief questionnaire to better understand the unique needs of your business.

Once we uncover your personalized matches, our team will consult you on the process moving forward.

Cost isn’t the only factor

While APR is important, it’s not the only factor to consider. Many B2B owners turn to invoice financing because it can fund quickly and be easier to get than a traditional business loan.

As you use our invoice financing calculator to compare options, consider the total cost, funding amount, funding speed and whether or not you can qualify for cheaper financing that meets your needs.

» MORE: How invoice financing works

How to use our invoice financing calculator

1. Enter your invoice financing details

Invoice value. The total value of the invoice or invoices you want to finance.
Advance amount. How much the company will lend you upfront. You can add this as a percentage of the invoice value or as a set dollar amount.
Expected days until the customer pays. How long you think your customer will take to pay their invoice.
Financing fee. The fee your lender charges to borrow against your accounts receivable. These fees are typically charged as a percentage of the invoice value and usually range from 0.5% to 5%. The longer the invoice goes unpaid, the more you’ll pay in total fees.
How often the fee is charged. Choose whether your lender charges the financing fee weekly or monthly.
Additional fees. Any extra costs the lender might charge, such as origination or wire transfer fees.

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Nerdy Tip

Because invoice financing companies charge every week or month the loan goes unpaid, it’s best to use invoices from customers you feel confident will pay on time. And if your customer fails to pay? You’re usually still on the hook to pay your lender back.

2. Review your invoice financing results

After you hit “calculate,” you'll see the following results:

Initial loan amount. Here’s how much funding you can expect upfront from the invoice financing company. It’s calculated by multiplying the invoice value by the advance percentage. After your customer pays their invoice, you’ll receive the remaining balance (minus fees).
Estimated APR. The annual percentage rate shows the yearly cost of financing expressed as a percentage. It’s a useful way to compare the cost against other business financing options, like conventional business loans.
Total fees owed. The amount you’ll owe the invoice financing company after you collect payment from your customer.
Total amount paid back to the company. This is the total amount you’ll pay back to your lender. It includes the initial loan amount plus any fees you’re responsible for.
Amount left after repayment. What you might have left after you collect from your customer and pay back the initial loan amount and fees owed to your lender. If your customer takes longer than expected to pay, additional fees could reduce your remaining balance.