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AUSTIN RATE & HOLDING-PERIOD DESK

Cash today.
The reserve in view.

See how collection timing changes the fee.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Private lending

Invoice factoring fee model

Follow the invoice advance, time-based discount, reserve and final proceeds.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Discount plus entered fees$3,100
Initial advance$85,000
Reserve released after fees$11,900
Combined net proceeds$96,900
Charged fee periods2

One fee structure; contracts can charge on advances, use daily/tiered charges or minimums. A negative reserve release means additional funds owed. Recourse and nonpayment are excluded. Not APR.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Invoice factoring fee model · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

Customer pays fifteen days later

Discount plus entered fees

Current scenario$3,100
Changed assumption$3,100

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Fee periods round up; crossing a boundary can add a full period.
  2. The modeled fee uses invoice face value, not just the advance.
  3. A negative reserve release means the reserve does not cover fees.
A GOOD QUESTION

Why does one extra day sometimes change the fee?

This model charges complete fee periods. Actual agreements can instead use daily accrual, tiers or minimums; choose the model only when it matches the contract.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Round collection days up to whole fee periods. Charge the entered percentage on invoice face value per period. Deduct fees from the retained reserve.

Before acting on the result

One fee structure; contracts can charge on advances, use daily/tiered charges or minimums. A negative reserve release means additional funds owed. Recourse and nonpayment are excluded. Not APR.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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