Invoice discounting cost: Invoice Finance Pricing Index
The Invoice Finance Pricing Index carries 5 published figures read from 4 sources' own pages, from 0.69 to 100 percent, read 12 October 2026.
4 of the 28 named sources read in full publish a figure; 24 publish none, read 12 October 2026.
By fee basis
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| fee basisdiscount fee per 30 days | 1.9% | 1.9 to 1.9% | 1 |
| fee basisadvance rate | 100% | 100 to 100% | 1 |
| fee basisfactoring fee (basis not stated) | 1% | 1 to 1% | 2 |
| fee basisfactoring rate (basis not stated) | 0.69% | 0.69 to 0.69% | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| FundThrough pricing | 100% | advance rate | 2026-10-12 |
| FundThrough pricing | 1.9% | discount fee per 30 days | 2026-10-12 |
| eCapital invoice factoring | 1% | factoring fee (basis not stated) | 2026-10-12 |
| Charter Capital invoice factoring | 1% | factoring fee (basis not stated) | 2026-10-12 |
| 1st Commercial Credit | 0.69% | factoring rate (basis not stated) | 2026-10-12 |
The sentence each figure was read from (5)
- FundThrough pricing, read 2026-10-12:
While factoring may seem costlier than traditional loans, FundThrough offers 100% advance rates, flat fees, and no hidden costs, making the value clear and predictable.
- FundThrough pricing, read 2026-10-12:
Our typical fees start at 1.9% per 30 days. For total outstanding invoices up to $999,999
- eCapital invoice factoring, read 2026-10-12:
Final Payment and Fee Deduction: Once eCapital collects the payment from the customer, we deduct our fees (which can range from 1% to 5% or more) and remit the remaining balance to the business.
- Charter Capital invoice factoring, read 2026-10-12:
Charter Capital, for example, offers factoring fees as low as 1%.
- 1st Commercial Credit, read 2026-10-12:
Disclosure: Invoice Factoring rates from 0.69% to 1.59% represent our tiered pricing structure available to qualified clients.
Read in full, publishes no figure
24 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- altLINE (The Southern Bank) invoice factoring, read 2026-10-12: every candidate on the page was refused
- Riviera Finance invoice factoring, read 2026-09-12: every candidate on the page was refused
- Gateway Commercial Finance invoice factoring, read 2026-10-12: every candidate on the page was refused
- TAB Bank invoice factoring, read 2026-09-12: read in full and no accepted figure on the page
- Bay View Funding, read 2026-10-12: read in full and no accepted figure on the page
- American Receivable, read 2026-10-12: every candidate on the page was refused
- Factor Finders, read 2026-09-12: every candidate on the page was refused
- nFusion Capital, read 2026-10-12: read in full and no accepted figure on the page
- Breakout Finance, read 2026-10-12: read in full and no accepted figure on the page
- SecurCapital, read 2026-09-12: read in full and no accepted figure on the page
- Catamount Funding, read 2026-09-12: read in full and no accepted figure on the page
- Crestmont Capital invoice factoring, read 2026-10-12: every candidate on the page was refused
- Credibly merchant cash advance, read 2026-09-12: every candidate on the page was refused
- Novuna Business Cash Flow (GB), read 2026-10-12: read in full and no accepted figure on the page
- Close Brothers Invoice Finance (GB), read 2026-10-11: read in full and no accepted figure on the page
- Skipton Business Finance (GB), read 2026-10-11: read in full and no accepted figure on the page
- Sonovate (GB), read 2026-10-12: every candidate on the page was refused
- Kriya (GB), read 2026-10-11: read in full and no accepted figure on the page
- Aldermore invoice finance (GB), read 2026-09-11: every candidate on the page was refused
- FundInvoice (GB), read 2026-10-12: every candidate on the page was refused
- Ultimate Finance invoice finance (GB), read 2026-09-11: read in full and no accepted figure on the page
- International Factoring Association, read 2026-10-12: read in full and no accepted figure on the page
- FCI (global factoring chain), read 2026-10-12: every candidate on the page was refused
- UK Finance invoice finance and asset-based lending, read 2026-09-12: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
4 of the 28 named sources that could be read published a usable figure; 24 published none and are recorded as not published, never filled in; 5 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 5 figures, never sentences; 66 candidate sentence(s) were refused by a reviewer with the reason recorded.
The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per provider - advance rate, discount or factor fee and the basis it is charged on (per 30 days, per month, flat), service fee, minimum monthly volume, minimum and maximum facility, contract length and notice, recourse or non-recourse, and whether the facility is confidential - each read from the provider's own pricing or product page; the derivation nobody publishes is the ALL-IN COST OF THE SAME INVOICE priced across every provider that publishes a number, because the published headline fee is not comparable between a US factor quoting a factor rate per 30 days and a GB financier quoting a service charge plus base rate plus margin, and turning both into one cost on one invoice is the whole product; beside it the share of providers publishing versus quote-only, the cheapest published provider per sector, and changed-since
66 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (33)
- FundThrough pricing(the publisher's own terms; quoted for reporting and comment)
- altLINE (The Southern Bank) invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Riviera Finance invoice factoring(the publisher's own terms; quoted for reporting and comment)
- eCapital invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Gateway Commercial Finance invoice factoring(the publisher's own terms; quoted for reporting and comment)
- TAB Bank invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Bay View Funding(the publisher's own terms; quoted for reporting and comment)
- American Receivable(the publisher's own terms; quoted for reporting and comment)
- Factor Finders(the publisher's own terms; quoted for reporting and comment)
- 1st Commercial Credit(the publisher's own terms; quoted for reporting and comment)
- nFusion Capital(the publisher's own terms; quoted for reporting and comment)
- Charter Capital invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Breakout Finance(the publisher's own terms; quoted for reporting and comment)
- SecurCapital(the publisher's own terms; quoted for reporting and comment)
- Catamount Funding(the publisher's own terms; quoted for reporting and comment)
- Crestmont Capital invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Credibly merchant cash advance(the publisher's own terms; quoted for reporting and comment)
- Novuna Business Cash Flow (GB)(the publisher's own terms; quoted for reporting and comment)
- Close Brothers Invoice Finance (GB)(the publisher's own terms; quoted for reporting and comment)
- Skipton Business Finance (GB)(the publisher's own terms; quoted for reporting and comment)
- Sonovate (GB)(the publisher's own terms; quoted for reporting and comment)
- Kriya (GB)(the publisher's own terms; quoted for reporting and comment)
- Aldermore invoice finance (GB)(the publisher's own terms; quoted for reporting and comment)
- FundInvoice (GB)(the publisher's own terms; quoted for reporting and comment)
- Ultimate Finance invoice finance (GB)(the publisher's own terms; quoted for reporting and comment)
- Universal Funding invoice factoring rates(the publisher's own terms; quoted for reporting and comment)
- Apex Capital freight factoring(the publisher's own terms; quoted for reporting and comment)
- MarketFinance (GB)(the publisher's own terms; quoted for reporting and comment)
- Triumph Financial(the publisher's own terms; quoted for reporting and comment)
- Pulse Cashflow (GB)(the publisher's own terms; quoted for reporting and comment)
- International Factoring Association(the publisher's own terms; quoted for reporting and comment)
- FCI (global factoring chain)(the publisher's own terms; quoted for reporting and comment)
- UK Finance invoice finance and asset-based lending(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
The Invoice Finance Pricing Index carries 5 published figures read from 4 sources' own pages, from 0.69 to 100 percent, read 12 October 2026.
4 of the 28 named sources read in full publish a figure; 24 publish none, read 12 October 2026.
Invoice Finance Pricing Index, fee basis discount fee per 30 days: median 1.90 percent across 1 source, read 12 October 2026.
Invoice Finance Pricing Index, fee basis advance rate: median 100 percent across 1 source, read 12 October 2026.
Invoice Finance Pricing Index, fee basis factoring fee (basis not stated): median 1 percent across 2 sources, read 12 October 2026.
Invoice Finance Pricing Index, fee basis factoring rate (basis not stated): median 0.69 percent across 1 source, read 12 October 2026.
Cite as: "Working Capital Quotes Invoice Finance Pricing Index", updated 2026-10-28, https://workingcapitalquotes.com/datasets/invoice-finance-pricing-index/.
Download the CSV (5 rows, computed 2026-10-28)
Questions this data answers
What does invoice factoring or invoice discounting actually cost me - the discount rate, the service fee, the advance rate, the minimum volume, the contract length - and who is cheapest for my sector?
The Invoice Finance Pricing Index carries 5 published figures read from 4 sources' own pages, from 0.69 to 100 percent, read 12 October 2026.
Where do the figures in the Invoice Finance Pricing Index come from?
Every figure is quoted from its source's own page and dated (last read 12 Oct 2026). 28 named sources were read and 4 publish a figure; the 24 that publish none are recorded as not published, never estimated.