Lendus.

Invoice finance calculator

How much does invoice finance cost?

On a £100,000 invoice with an 85% advance, a 1.5% monthly discount charge and a 1% service fee, you receive £85,000 within about 48 hours. If the invoice settles in 60 days the discount charge is £2,550 and the service fee £1,000 — £3,550 in total, or 3.55% of the invoice. You keep £96,450.

Updated . Lendus is an introducer, not a lender — these figures are indicative and not a quote.

£100,000
85%

Typically 80%–90% of the invoice value, released within 24–48 hours.

1.5%

Charged on the advanced amount for as long as the invoice is outstanding.

60 days
1%

A percentage of invoice value covering ledger management and, on factoring, collections.

Your estimate

Indicative only. Not a quote and not an offer of finance.

What this calculator assumes

Frequently asked questions

What is the difference between invoice factoring and invoice discounting?
With factoring, the provider takes over your sales ledger and chases your customers directly, so they know you are using a facility. With discounting you keep control of collections and the arrangement stays confidential. Factoring costs more because it includes a credit control service; discounting is usually reserved for larger, well-run ledgers.
Is invoice finance expensive?
It looks cheap per invoice and adds up across a year. A 1.5% monthly discount charge on a 60-day invoice is roughly 3% of the advance — around 18% annualised — before the service fee. It is best judged against what the cash unlocks: early settlement discounts from suppliers, or a contract you could not otherwise take on.
What happens if my customer does not pay?
On a recourse facility, you repay the advance and the debt returns to you. On a non-recourse facility, the provider carries the bad-debt risk within agreed limits, in exchange for a higher fee. Read which one you are being offered — the difference matters most exactly when things go wrong.
Which businesses does invoice finance suit?
Businesses that invoice other businesses on credit terms and have a working capital gap between doing the work and being paid: recruitment, construction, haulage, manufacturing and wholesale in particular. It does not work for consumer-facing businesses paid at the point of sale.

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