Calculators / Invoice finance calculator

Invoice finance calculator

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

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.

Get my options for this invoice→

Why work with a broker instead of comparing lenders yourself?

Because the details that actually matter, whether your customers need to know, how much a lender wants by way of guarantees, whether the facility integrates with your accounting software or expects manual submissions, rarely show up clearly on a comparison page. 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 actually 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
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, represented through CAFBA, FBAA and MFAA.

Call 0468 902 233 Get my options
Ecommerce Loans is a finance broker, not a lender. Rates and figures shown across this site are indicative only and subject to individual lender assessment. New to working with a broker? See how it works.