Tools and Resources
A calculator, an eligibility checklist, a glossary and the comparison pages: everything on this site that helps you work out the numbers before you speak to a provider.
Three tools to use before you enquire
Providers quote in percentages; businesses think in pounds. These pages translate one into the other and tell you what a provider will ask before it does.
Invoice factoring calculator
Enter an invoice value, an advance rate and illustrative charges to see the initial advance, the retained balance, total charges and net proceeds, without double-counting.
Use the calculatorEligibility checker
Typical minimum turnover, acceptable customer types, concentration limits, sectors that are harder to fund and the documents a provider asks for.
Check eligibilityGlossary
Advance rate, retention, discount charge, recourse period, concentration limit, CHOCS, debenture and the rest of the vocabulary, defined in plain English.
Browse the glossarySide-by-side comparisons
Built around decision criteria rather than definitions, each page ends with "choose A if, choose B if" lists and a cost comparison example.
Factoring vs invoice discounting
Who collects, whether customers know, the fee difference and which businesses providers steer towards each.
CompareInvoice finance vs business loans
Funding that scales with sales against fixed borrowing and overdrafts, including what each means for security and the balance sheet.
CompareRecourse vs non-recourse factoring
Who carries the bad debt risk, what the cover excludes and when the extra cost is justified.
CompareAnswers and the full process
Frequently asked questions
Twenty-four questions on basics, costs, eligibility, customers, non-payment, contracts, regulation and enquiring through this site, each linked to the page that goes deeper.
Read the FAQHow it works
From eligibility assessment and survey to uploading invoices, verification, advances, collections and month-end, with a timeline and a worked example.
See the processA note on the figures: every tool on this site uses published market ranges and illustrative charges. The results are estimates to help you prepare, not an offer of finance. Your own advance rate, fees and terms depend on the provider and your circumstances. Our guides explain each figure in more depth.
Done the sums and want a real figure?
Tell us about your business and your enquiry is passed to a provider who can set out indicative terms for your ledger.
Find Out Whether Invoice Factoring Could Work for Your Business
Tell us about your business and funding requirements to explore your next steps.