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Invoice factoring sells your unpaid invoices to a funder at a discount — instant cash now, a percentage gone forever. It is a legitimate tool for businesses whose clients pay in 60 days while payroll lands in 14, but the fees (typically 1-5% plus a service charge) make it one of the pricier forms of working capital. This guide shows the real cost structure, compares it against overdrafts and lines of credit, and flags the industries where factoring quietly becomes a permanent tax on growth.
cost comparison report
Typically 1-5% of the invoice value plus a service fee — on slow-paying clients the effective annual cost can reach 30-60%.
No — you are selling an asset (the invoice), not borrowing. There's no debt on your books, but you lose part of every invoice you factor.
When a specific cash crunch is cheaper to solve at 3% than at the cost of missing payroll or a supplier deadline — not as a permanent habit.
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