Invoice finance calculator

See what an invoice finance advance puts in your account today, what the fee costs, and what lands when your customer actually pays.

Updated 6 October 2026General information only

Invoice value$50,000

$5K$1M

Advance rate85%

50%90%

Up to 90% is typical on our panel; your exact advance rate depends on the debtor and your ledger.

Fee rate (per 30 days)1.5%

0.5%4%

We haven’t quoted you a rate yet, enter what you’ve been quoted, or leave this as a rough placeholder to see the mechanics.

Days until your customer pays45 days

7 days120 days

Advance you receive today $42,500

Fee over the period$1,125

Balance released when your customer pays$6,375

Total you receive overall$48,875

Whether your customers need to know, and whether the facility integrates with your accounting software, matter as much as the fee. See our invoice finance page for what to check before you sign.

Indicative only. Ecommerce Loans is a finance broker, not a lender. The fee rate above is whatever you enter, not a quote from us. Actual fees, advance rates and terms depend on lender assessment.

Unlock what’s already earned

80-90% advance rate

Typical advance against the invoice value, rather than waiting 30 to 60 days for payment.

Why work with a broker instead of comparing lenders yourself?

Because the details that matter rarely show up on a comparison page. Do your customers need to know? How much does the lender want by way of guarantees? Does the facility plug into your accounting software, or expect manual uploads? A broker matches those preferences to the right lender before you apply, not after you’re locked in. (More on how a business loan broker works.)

Before you enquire

Invoice finance fees vary by debtor risk, industry and facility structure more than most products, so we haven’t set a default rate that would mislead you. Enter what you’ve been quoted, or leave the placeholder in to see how the mechanics work.

Up to 90% is typical on our panel, advanced against unpaid invoices. The remainder, minus the fee, is released once your customer pays.

Depends on the structure. Some facilities are disclosed to your customers, others aren’t. This is one of the preferences worth clarifying before you choose a lender, not after.

Andrew Beckett

Founder and principal broker, Ecommerce Loans. 10+ years in Australian SME, asset, trade and consumer lending across Shift, Iron Capital, Lumi and Lend, and a member of the FBAA.

Call 0468 902 233