Invoice Finance Calculator
Easily Estimate Your Equipment Loan Repayments in SecaGet an instant estimate of how much working capital you can unlock from your unpaid invoices. This calculator helps you forecast upfront cash advances, final payouts, and financing fees—so you can plan ahead with confidence and keep your business moving.onds
Invoice Finance Calculator
*The remaining balance will be paid once your customer settles the invoice in full and within the agreed terms.
This tool provides a general estimate. For exact figures and conditions, please consult your finance provider.
Your Results
Advance amount (80%):
$0.00Then:
$0.00*Estimated Fees:
$0.00Summary
- Invoice Value: $10,000.00
- Advance Received: $0.00
- Remaining After Payment: $0.00*
- Total Estimated Fees: $0.00
How Are Invoice Finance Payments Calculated?
Invoice finance gives businesses quick access to cash by advancing funds against outstanding customer invoices. A finance provider typically pays you a percentage of the invoice value upfront—often between 70% and 90%—and collects the full payment from your customer. For this service, the provider charges a fee, known as a discount rate, usually based on a monthly percentage of the total invoice amount.
To calculate your invoice finance payments, consider the following:
Invoice Value – The total amount you want to finance.
Advance Rate – The upfront percentage you’ll receive (commonly 70% to 90%).
Discount Rate – The provider’s monthly fee, often 1% to 5%.
Repayment Term – How long your customer takes to settle the invoice (e.g. 30, 60, or 90 days).
💡 Formula:
(Invoice Value × Advance Rate) − (Invoice Value × Discount Rate × Term in Months)
🔍 Example:
Suppose you’re financing $75,000 in invoices. The finance company offers a 75% advance rate and charges a 2.5% monthly fee. If your customer pays in 60 days (or 2 months), the estimate would be:
($75,000 × 0.75) − ($75,000 × 0.025 × 2) = $56,250 − $3,750 = $52,500
In this scenario, you’d receive $56,250 upfront, and after fees, your total proceeds would be $52,500.
Learn more about invoice financing
Whether you’re looking to release funds tied up in unpaid invoices or evaluate the cost of financing terms, this tool gives you instant estimates based on your invoice value, advance rate, and fees. It’s built to help you understand how much you could access upfront—and what you’ll receive once your customer pays.
Use this calculator to take the guesswork out of invoice finance planning. Once you have a clearer picture, talk to our team to explore competitive invoice funding options tailored to your business.
