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Invoice factoring: Invoice Finance Pricing Index

The median published figure in the Invoice Finance Pricing Index is 1 percent across 13 sources' own pages (range 0.50 to 2.50 percent), read 12 September 2026.

RemitDeck sells its own paid plan in this category (our pricing). It is not counted here: every figure in this index is another provider's own published price, read from its own page.

1 % Median published figure middle half 0.6 to 2.1 %
0.5 to 2.5 % Range a 2 % spread; quartiles 0.6 and 2.1
13 Sources with a figure of 46 read in full, 5 Oct 2026
13 of 46 Sources read that publish one 28% publish a figure at all
  1. PeerSense2.5 %
  2. TreviPay2.5 %
  3. Transport Clearing East2.2 %
  4. Sonovate2 %
  5. Bankers Factoring1.6 %
  6. MJN Services1.5 %
  7. Charter Capital1 %
  8. Spark Finance0.8 %
  9. Financefair0.75 %
  10. 1st Commercial Credit0.69 %
  11. SME Invoice Finance0.5 %
  12. Factor Funding0.5 %
One figure per source, highest first; the top 12 of 13.median 1 %
Table view
RowValue
PeerSense2.5 %
TreviPay2.5 %
Transport Clearing East2.2 %
Sonovate2 %
Bankers Factoring1.6 %
MJN Services1.5 %
Charter Capital1 %
Spark Finance0.8 %
Financefair0.75 %
1st Commercial Credit0.69 %
SME Invoice Finance0.5 %
Factor Funding0.5 %
  1. 61 to 1
  2. 11 to 1
  3. 1 to 2
  4. 22 to 2
  5. 12 to 2
  6. 32 to 3
Where the 13 published figures fall, %, in six equal bands from the lowest to the highest.
Bands
BucketValue
1 to 16 sources
1 to 11 source
1 to 20 sources
2 to 22 sources
2 to 21 source
2 to 33 sources

13 of the 46 named sources read in full publish a figure; 33 publish none, read 12 September 2026.

By component

BreakdownMedianRangeSources
componentfactoring fee per 30 days1%0.5 to 2.5%9
componentservice charge (% of turnover)1.4%0.5 to 2.5%4

Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.

SourceFigureBreakdownRead
PeerSense2.5%factoring fee per 30 days2026-09-12
TreviPay2.5%service charge (% of turnover)2026-09-12
Transport Clearing East2.2%factoring fee per 30 days2026-09-12
Sonovate2%service charge (% of turnover)2026-09-12
Bankers Factoring1.6%factoring fee per 30 days2026-09-12
MJN Services1.5%factoring fee per 30 days2026-09-11
Charter Capital1%factoring fee per 30 days2026-09-12
Spark Finance0.8%service charge (% of turnover)2026-09-11
Financefair0.75%factoring fee per 30 days2026-09-12
1st Commercial Credit0.69%factoring fee per 30 days2026-09-12
SME Invoice Finance0.5%service charge (% of turnover)2026-09-11
Factor Funding0.5%factoring fee per 30 days2026-09-12
Novuna Business Cash Flow0.5%factoring fee per 30 days2026-09-12
The sentence each figure was read from (13)
  • PeerSense, read 2026-09-12: Standard B2B Recourse 1.00–2.50% Per 30 days $20 million a month and up General commercial receivables
  • TreviPay, read 2026-09-12: It usually lies in the range from 0.5 – 2.5% of the value of invoices factored.
  • Transport Clearing East, read 2026-09-12: Become a TCE member carrier and get next-business-day funding on your freight invoices at rates starting under 2.20% with no contracts or monthly minimums.
  • Sonovate, read 2026-09-12: Service Fee In return for their services, factoring companies ask for a small percentage of the invoice total, which is generally 1-2%.
  • Bankers Factoring, read 2026-09-12: For our average factoring rates, including bad debt protection, our receivable factoring costs at Bankers Factoring run from .9-1.6% per 30 days.
  • MJN Services, read 2026-09-11: Rates start as low as 1.5% with a $200 per month minimum, and our published rate and fee schedule lists every fee you can review before signing.
  • Charter Capital, read 2026-09-12: $500,000+ 1.0% – 1.75% High volume, negotiated rates
  • Spark Finance, read 2026-09-11: Service fee (standard - established SME) 0.8% to 1.8% of turnover Most common range for growing SMEs
  • Financefair, read 2026-09-12: Our all-in cost of funding through our platform typically ranges from 0.75% to 1.50% per 30 days, depending on the product type, term and credit quality.
  • 1st Commercial Credit, read 2026-09-12: Disclosure: Invoice Factoring rates from 0.69% to 1.59% represent our tiered pricing structure available to qualified clients.
  • SME Invoice Finance, read 2026-09-11: Service Fee 0.5% – 3.0% of turnover Monthly, as % of turnover
  • Factor Funding, read 2026-09-12: With funding fees and rates as low as 0.5%, fast funding, and an easy application, you won’t be disappointed—you may just wish you looked into this option sooner!
  • Novuna Business Cash Flow, read 2026-09-12: Rates from 0.5%

Read in full, publishes no figure

33 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.

Methodology

Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).

13 of the 46 named sources that could be read published a usable figure; 33 published none and are recorded as not published, never filled in; 6 could not be read (blocked, dead or unreachable) and count nowhere.

The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 317 candidate sentence(s) were refused by a reviewer with the reason recorded.

The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the share of invoice finance providers that publish a rate at all versus quote-only, measured across every provider page read, and over the publishing minority the median, minimum and maximum of each priced component that this market actually has: the factoring fee per 30 days, the advance rate, the UK service charge as a percentage of turnover and the discount margin over base rate, the monthly minimum and the termination fee.

Split by product (recourse factoring, non-recourse, confidential discounting, selective or spot), by industry (trucking, staffing, construction, medical - the advance rate moves 20 points between them) and by jurisdiction; repriced-since the previous read, and the effective annualised cost computed from fee and term, which is the number a buyer cannot get anywhere and the one the site is named for.

317 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.

Sources (52)
Cite or embed this figure

Cite or embed this figure

The median published figure in the Invoice Finance Pricing Index is 1 percent across 13 sources' own pages (range 0.50 to 2.50 percent), read 12 September 2026.

13 of the 46 named sources read in full publish a figure; 33 publish none, read 12 September 2026.

Invoice Finance Pricing Index, component factoring fee per 30 days: median 1 percent across 9 sources, read 12 September 2026.

Invoice Finance Pricing Index, component service charge (% of turnover): median 1.40 percent across 4 sources, read 12 September 2026.

Cite as: "RemitDeck Invoice Finance Pricing Index", updated 2026-10-05, https://remitdeck.com/datasets/invoice-finance-pricing-index/.

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1 percent

median published figure, Invoice Finance Pricing Index, across 13 sources, read 12 September 2026

Source: RemitDeck Invoice Finance Pricing Index

Download the CSV (13 rows, computed 2026-10-05)

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