Tools/Invoice Finance Charge Calculator
Invoice Finance Charge Calculator
See how much cash your unpaid invoices can unlock today - and exactly what it costs.
Invoice Details
Cash unlocked today
₹40 Lakh
Financing charge (60 days)
₹1,00,000
At 1.25% per month on the advanced amount
125+ lenders. Termsheet in 48h. Zero equity dilution.
How invoice financing pricing works
You get an advance (typically 70-90% of invoice value) upfront; the balance, minus charges, arrives when your customer pays. Charges are quoted per month (0.5-3%) on the advanced amount for the days outstanding.
The real comparison: what does waiting cost you? If ₹40 lakh stuck for 60 days means a missed order or a lost early-payment discount, a ~₹1 lakh financing charge is cheap. Recur Club's invoice financing gets you funded in days against B2B invoices.
Explore Invoice FinancingWhat is an invoice finance charge calculator?
An invoice finance charge calculator shows how much cash your unpaid B2B invoices can unlock today, and exactly what that costs. Financiers advance 70-90% of the invoice value upfront and charge a monthly fee on the advance for the days the invoice stays unpaid - this tool computes both sides instantly.
How to use this invoice finance calculator
- 1
Enter the invoice value you want to finance.
- 2
Set the advance rate - typically 70-90% depending on your customer's credit quality.
- 3
Enter the monthly charge rate, usually 0.5-3% per month.
- 4
Set the days until your customer pays.
- 5
Read the cash unlocked today and the total financing charge.
Factors that affect invoice financing costs
Debtor quality
Invoices on large, creditworthy companies get higher advances and lower charges - the financier's risk is your customer, not you.
Payment terms
30-day invoices cost far less to finance than 120-day invoices - charges accrue per day outstanding.
Track record
A history of invoices paid on time drops your pricing with every cycle.
Documentation
GST-registered invoices with clean PO-to-delivery paper trails get funded fastest and cheapest.