💡 Summary #
Factor & Fund keeps pricing transparent.
We charge a simple factoring fee that’s based on how long your customer takes to pay – typically 3% per 30 days, with no setup fees, no hidden charges, and no surprises.
⚙️ Standard Pricing Structure #
| Invoice Age | Factoring Fee | Example |
|---|---|---|
| 0–30 days | 3% | $100,000 invoice → $3,000 fee |
| 31–60 days | +3% | $6,000 total if buyer pays in 60 days |
| 61–90 days | +3.5% | $9,500 total if buyer pays in 90 days |
Exact rates may vary by risk level, industry, and buyer credit strength. The above example is for a perfect applicant.
💰 What’s Included #
- No application or setup fees
- No monthly minimums
- No long-term contracts required
- Fast deposits via ACH or wire
- Full transparency — you always see fees upfront
🧾 Example Calculation #
| Invoice Value | Advance Rate (90%) | Initial Funding | Reserve Released (Minus Fee) |
|---|---|---|---|
| $100,000 | 90% | $90,000 | $10,000 – 3% = $7,000 reserve released |
❓ FAQ #
Are there any hidden fees?
No. You pay only the agreed factoring fee — no admin, wire, or maintenance costs.
Do you charge interest?
No. Factoring is not a loan; you’re selling invoices, not borrowing.
Does the fee change if my customer pays faster?
Yes, you save money — the shorter the payment time, the lower the total fee.
📊 What Determines Your Rate #
- Buyer payment reliability and credit history
- Invoice size and volume
- Industry type (trucking, manufacturing, staffing, etc.)
- Average payment cycle length
- Transaction structure (single vs. recurring)
