# Invoice & Bridging Finance Calculator UK Source: https://www.cashbookfinance.co.uk/calculator Last updated: 2026-10-28 Publisher: Cashbook Finance Limited > Illustrative calculators for invoice finance and bridging: what an invoice could release, and a bridging loan’s LTV, full cost and exit repayment. FCA-registered UK lender FRN 782472 ## Run the numbers before you apply. One calculator for each funding line. Invoice finance shows what an invoice could release and what it costs; bridging finance shows loan-to-value, the full cost and what you repay at exit. Both are illustrative, not quotes. [Start an application](https://www.cashbookfinance.co.uk/apply?product=invoice) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). Educational model Illustrative structure ### Illustrative invoice advance Estimated initial advance £45,000 Based on a 90% illustrative advance rate. - **Reserve before fees** £5,000 - **Illustrative fee** £1,000 Approved invoice value £50,000 Illustrative advance rate 90% Illustrative fee input 2.0% With invoice finance, £45,000 could typically be drawn within 24–48 hours after facility setup, with the balance released on collection less an illustrative fee of 2.0%. Actual availability, advance rates, service fees, discount charges and reserves vary by facility, invoice, debtor quality, payment timing and underwriting. VAT and other charges may apply. [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) · Save and compare Illustration Bridging structure check A £325,000 loan against a £500,000 property Within reference **65%** loan-to-value, against a 70% illustrative reference point - **Equity remaining** £175,000 - **Headroom to 70% LTV** £25,000 - **Security** UK property Estimated property value £500,000 Requested gross loan £325,000 Within a 70% illustrative LTV reference point. **Security risk:** Your property may be repossessed if you do not keep up repayments on a loan secured against it. [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) · Costs and exit Read the result correctly ### Availability, timing and fees are separate assumptions. #### Advance rate Applied only to eligible invoices after exclusions and reserves. #### Fee assumption A simplified percentage, not a complete statement of service and discount charges. #### Collection timing Actual cost changes with the amount drawn and how long it remains outstanding. Your customer pays after 30 days £45,000 of a £50,000 invoice in hand **28 days** sooner, and drawn for that long. **Not an assessment.** The calculator is educational. It does not assess debtor eligibility, concentration, disputes, reserves, minimum fees or the facility’s legal and operational terms. Your scenarios #### Save this one, then change a figure. The comparison and the PDF summary stay in this browser. A link copied from the calculator reopens the same figures. - [Understand cost drivers](https://www.cashbookfinance.co.uk/insights/invoice-finance-costs-explained) - [Invoice finance in London](https://www.cashbookfinance.co.uk/invoice-finance-london) Cash-flow gap simulator ### See how much cash waits in unpaid invoices. Growing sales and late payers tie up cash month after month. Model the next 12 months and see what an advance could release as you invoice. Monthly sales invoiced today · £ Payment terms Customers pay late by 15 days Monthly sales growth 3% Example advance rate 80% Cash in unpaid invoices by month 12 - - **An advance could release** - - **Reserve, held until paid** - - **Tied up by late payment** - - **Cash in unpaid invoices today** - Cash in unpaid invoices at each month end · Could be released by an advance · Reserve, held until paid **Show the figures as a table** Illustrative only, before fees. It assumes every invoice is funded and paid in full; in practice an advance applies to approved invoices after exclusions, concentration limits and reserves, and availability, rates and fees follow underwriting. Worked example ### The calculator’s default, step by step. The figures the calculator shows when it opens: a £50,000 invoice on 30-day terms at a 90% advance. Change the invoice, terms and advance above to see your own figures. - **Invoice value, on 30-day terms** £50,000 - **Advanced within 24–48 hours (90%)** £45,000 - **Discount charge, about 2% per 30 days, for 30 days** £1,000 - **Paid to you when your customer pays** £4,000 - **Total cost of funding this invoice** £1,000 (2% of the invoice) - **If your customer pays 30 days late** +£1,000 in charges Illustrative: up to 90% advanced and a discount charge of about 2% of the invoice per 30 days. Rates, advances and any service fee vary by business, sector and customers, and are confirmed in writing before you commit. Structure the deal ### Test the loan against the exit. Step 1 is the loan-to-value check above: **a £325,000 loan against a £500,000 property**. Change the figures Exit timeline #### Plan the exit before the term runs. Set your own timings: how long until completion, the loan term, and when the sale or refinance should complete. The timeline also tests the exit three months late, as our guides recommend. **Example rate: 1% a month.** Until completion 4 weeksValuation, legals and offer Loan term 12 monthsRepayment is due at the end Exit completes in Month 9Months after completion Your bridge Inside the term - **Completion** · in about 4 weeks - **Exit** · month 9 - **Exit, 3 months late** · month 12 - **Term ends** · month 12 Completion in about 4 weeks; a 12-month term then runs to month 12. Your exit in month 9 lands inside the term, with room for a three-month delay. At the example rate of 1% a month, each month of delay adds about 1% of the [gross loan](https://www.cashbookfinance.co.uk/insights/bridging-finance-glossary#term-gross-loan) in interest, before any extension fees. Step 2 - costs and exit #### What the bridge costs, and what you repay. The rates and fees below are example assumptions only - not Cashbook Finance's pricing or an offer. Replace them with the figures from any indicative terms you have; actual terms follow valuation, legal work and underwriting. Monthly interest rate (example)% a month Term 12 months Arrangement fee (example)% of the loan Exit fee (example)% of the loan Valuation and legal costs (example) · £ How interest is paid Net funds on day one - - **Interest over the term** - - **Fees and costs** - - **Total cost of the bridge** - - **Repay at exit** - - **Monthly payments** - Illustrative only. Valuation, property type, location, borrower, charge position, legal work, interest, fees and the repayment exit all affect the amount and terms available. [Bridging finance LTV guide](https://www.cashbookfinance.co.uk/insights/bridging-finance-ltv-guide) Quick answers ### Common questions. [All questions](https://www.cashbookfinance.co.uk/faq) **How accurate is the calculator?** It shows the mechanics at illustrative rates. Your rate and advance are confirmed after review. **Is the fee the only cost?** The discount charge is the main cost here. Some facilities add a service fee, quoted before you commit. **What advance will I get?** Up to 90% of eligible invoices, depending on your customers and sector. **What does the loan-to-value check show?** How much of the property’s estimated value the loan represents, and the equity left. Lenders also look at the valuation, title, location and the exit. **Are the bridging rates Cashbook’s pricing?** No. The interest rate and fees are example assumptions you can change. Actual terms follow valuation, legal work and underwriting. **Does using the calculator affect my credit?** No. Nothing is submitted, and checking eligibility involves no credit search. Next step ### Found the right fit? Start in minutes. Start with the amount and route; a director reviews the case. [Start an application](https://www.cashbookfinance.co.uk/apply?product=invoice) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.