Advance rate
Applied only to eligible invoices after exclusions and reserves.
Invoice finance calculator
Test the relationship between invoice value, advance and reserve.
Adjust three illustrative inputs to understand the mechanics.This is an educational calculator, not a quote, approval or statement of actual pricing.
Enter three figures
Illustrative invoice advance
Move each control to see how invoice value, advance rate and the illustrative fee input affect the structure.
£10k£1m
70%90%
0.5%5%
Illustrative structureEducational model
Estimated initial advance£45,000
Based on a 90% illustrative advance rate.
Initial advanceReserve before fees
Reserve before fees£5,000
Illustrative fee£1,000
Invoice value×Advance rate=Initial advance
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.
Read the result correctly
Availability, timing and fees are separate assumptions.
The calculator is educational. It does not assess debtor eligibility, concentration, disputes, reserves, minimum fees or the facility’s legal and operational terms.
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.