No, AFS is transparent about all fees upfront so there are no surprises. Use our invoice factoring calculator to find out what costs could look like for your unique case.
Your Estimate
Advance Amount: $0
Factoring Fee: $0
Net After Fee (When Customer Pays): $0
Effective Cost as % of Invoice: 0%
*For illustration only. Actual approval, terms, and fees may vary.
Factoring vs. Traditional Financing
Instead of locking you into a loan with interest rates, our factoring services allow you to smooth out your cash flow based on your needs. Our flexibility is one of our greatest strengths in comparison to financing.
What Affects Factoring Rates
AFS makes it easy to understand what goes into your factoring costs so you can make confident funding decisions. We tailor your factoring rates to your business profile and the invoices you submit. Several key factors influence how your rate is calculated, and knowing them can help you maximize value and minimize cost.
First, invoice size plays a major role. Businesses that factor higher volumes or larger invoices often benefit from more competitive rates because of the increased transaction efficiency. Next, how long your customers take to pay directly impacts your fee. Faster-paying invoices typically result in lower costs, while longer payment cycles can increase the rate.
Another critical component is your customer’s credit strength. Unlike traditional financing, factoring focuses more on your clients’ ability to pay than your own credit history. Strong, reliable customers can help secure better terms. Industry risk also matters. Sectors like staffing, security, and janitorial services often receive favorable rates due to predictable, repeat billing patterns and steady demand.
Finally, funding frequency can influence your overall pricing. Businesses that factor invoices regularly—whether weekly or monthly—may qualify for reduced fees over time.
To get a clearer picture of your potential costs, try our invoice factoring calculator. It’s a simple way to estimate your rate and see how these factors come together for your unique situation.
Expert Funding, Expert Studies
Explore our case studies to see how we’ve helped businesses across the nation optimize their cash flow.
Get Started
Tell us about your business and which services you require so we can create a funding plan for you.
Frequently Asked Questions
Fees are usually time-based, so the longer an invoice remains unpaid, the higher the cost. Fees start the day AFS advances the money, so clients can wait to fund an invoice until it’s needed to reduce the amount of time that fees are accruing.
As your volume grows and your customers demonstrate strong payment history, your rate can improve. Our mission is to help your business operate by optimizing your cash flow, which in turn improves your factoring rates.
