# 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 · https://remitdeck.com/datasets/invoice-finance-pricing-index/ · computed 2026-10-05

**Median published figure:** 1 % (range 0.5 to 2.5 %; 13 sources with a figure; 13 of 46 sources read publish one).

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

## By component

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| component factoring fee per 30 days | 1 % | 0.5 to 2.5 % | 9 |
| component service 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.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [PeerSense](https://peersense.com/invoice-factoring-rates) | 2.5 % | factoring fee per 30 days | 2026-09-12 |
| [TreviPay](https://www.trevipay.com/resource-center/blog/how-much-does-invoice-factoring-cost/) | 2.5 % | service charge (% of turnover) | 2026-09-12 |
| [Transport Clearing East](https://www.tceast.com/factoring-fees-trucking/) | 2.2 % | factoring fee per 30 days | 2026-09-12 |
| [Sonovate](https://www.sonovate.com/blog/what-is-invoice-factoring/) | 2 % | service charge (% of turnover) | 2026-09-12 |
| [Bankers Factoring](https://www.bankersfactoring.com/how-much-does-invoice-factoring-cost/) | 1.6 % | factoring fee per 30 days | 2026-09-12 |
| [MJN Services](https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking) | 1.5 % | factoring fee per 30 days | 2026-09-11 |
| [Charter Capital](https://www.charcap.com/invoice-factoring/factoring-cost/) | 1 % | factoring fee per 30 days | 2026-09-12 |
| [Spark Finance](https://www.sparkfinance.co.uk/data/uk-invoice-finance-rate-index) | 0.8 % | service charge (% of turnover) | 2026-09-11 |
| [Financefair](https://financefair.com/blog/invoice-finance-providers/) | 0.75 % | factoring fee per 30 days | 2026-09-12 |
| [1st Commercial Credit](https://www.1stcommercialcredit.com/invoice-factoring-calculator) | 0.69 % | factoring fee per 30 days | 2026-09-12 |
| [SME Invoice Finance](https://www.smeinvoicefinance.co.uk/invoice-finance-rates-costs-explained/) | 0.5 % | service charge (% of turnover) | 2026-09-11 |
| [Factor Funding](https://factorfunding.com/factoring-fees/) | 0.5 % | factoring fee per 30 days | 2026-09-12 |
| [Novuna Business Cash Flow](https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/) | 0.5 % | factoring fee per 30 days | 2026-09-12 |

## The sentence each figure was read from (13)

- [PeerSense](https://peersense.com/invoice-factoring-rates), read 2026-09-12: "Standard B2B Recourse 1.00–2.50% Per 30 days $20 million a month and up General commercial receivables"
- [TreviPay](https://www.trevipay.com/resource-center/blog/how-much-does-invoice-factoring-cost/), read 2026-09-12: "It usually lies in the range from 0.5 – 2.5% of the value of invoices factored."
- [Transport Clearing East](https://www.tceast.com/factoring-fees-trucking/), 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](https://www.sonovate.com/blog/what-is-invoice-factoring/), 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](https://www.bankersfactoring.com/how-much-does-invoice-factoring-cost/), 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](https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking), 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](https://www.charcap.com/invoice-factoring/factoring-cost/), read 2026-09-12: "$500,000+ 1.0% – 1.75% High volume, negotiated rates"
- [Spark Finance](https://www.sparkfinance.co.uk/data/uk-invoice-finance-rate-index), read 2026-09-11: "Service fee (standard - established SME) 0.8% to 1.8% of turnover Most common range for growing SMEs"
- [Financefair](https://financefair.com/blog/invoice-finance-providers/), 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](https://www.1stcommercialcredit.com/invoice-factoring-calculator), 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](https://www.smeinvoicefinance.co.uk/invoice-finance-rates-costs-explained/), read 2026-09-11: "Service Fee 0.5% – 3.0% of turnover Monthly, as % of turnover"
- [Factor Funding](https://factorfunding.com/factoring-fees/), 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](https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/), read 2026-09-12: "Rates from 0.5%"

## Read in full, publishes no figure

- [1st Commercial Credit](https://www.1stcommercialcredit.com/blog/cost-invoice-factoring), read 2026-09-12: every candidate on the page was refused
- [Aspire](https://aspireapp.com/us/blog/invoice-factoring-rates), read 2026-09-12: every candidate on the page was refused
- [Bankers Factoring](https://www.bankersfactoring.com/best-invoice-factoring-calculator-estimate-costs-boost-cash-flow/), read 2026-09-12: every candidate on the page was refused
- [Bobtail](https://www.bobtail.com/blog/trucking-factoring-cost/), read 2026-09-12: every candidate on the page was refused
- [CapFlow Funding](https://capflowfunding.com/factoring-calculator/), read 2026-09-12: every candidate on the page was refused
- [Commonwealth Capital](https://commonwealthmn.com/invoice-factoring-articles/truth-non-recourse-factoring), read 2026-09-12: every candidate on the page was refused
- [Crestmont Capital](https://www.crestmontcapital.com/blog/invoice-factoring-rates-and-fees), read 2026-09-12: every candidate on the page was refused
- [Drip Capital](https://www.dripcapital.com/en-us/resources/finance-guides/costs-of-financial-factoring), read 2026-09-12: every candidate on the page was refused
- [Factoring Express](https://factoringexpress.com/invoice-factoring-rates/), read 2026-09-12: every candidate on the page was refused
- [Flexent (Hitachi Business Finance)](https://flexent.com/recourse-vs-non-recourse-factoring/), read 2026-09-12: every candidate on the page was refused
- [FundInvoice](https://www.fundinvoice.co.uk/find_out_more/invoice-finance-costs.html), read 2026-09-12: every candidate on the page was refused
- [FundThrough](https://www.fundthrough.com/blog/invoice-factoring/do-banks-factor-invoices/), read 2026-09-12: every candidate on the page was refused
- [Gateway Commercial Finance](https://gatewaycfs.com/), read 2026-09-12: every candidate on the page was refused
- [Lend (Australia)](https://www.lend.com.au/invoice-finance-factoring), read 2026-09-12: every candidate on the page was refused
- [Penny Freedom](https://www.pennyfreedom.co.uk/), read 2026-09-12: every candidate on the page was refused
- [Porter Capital](https://portercap.com/invoice-factoring-rates-fees-how-pricing-works-with-real-examples/), read 2026-09-12: every candidate on the page was refused
- [Porter Freight Funding](https://porterfreightfunding.com/blog/how-much-do-freight-factoring-companies-charge/), read 2026-09-12: every candidate on the page was refused
- [REIL Capital](https://reilcap.com/invoice-factoring/invoice-factoring-rates/), read 2026-09-12: every candidate on the page was refused
- [Riviera Finance](https://www.rivierafinance.com/factoring-calculator/), read 2026-09-12: every candidate on the page was refused
- [Riviera Finance](https://www.rivierafinance.com/finance-blog/how-much-does-factoring-cost-and-is-it-worth-it-for-your-trucking-business/), read 2026-09-12: every candidate on the page was refused
- [Truckstop](https://truckstop.com/blog/freight-factoring-rates/), read 2026-09-12: every candidate on the page was refused
- [Universal Funding](https://www.universalfunding.com/factoring-rates/), read 2026-09-12: every candidate on the page was refused
- [Wells Fargo Commercial](https://www.wellsfargo.com/com/solutions/global-receivables-and-trade/supplier-finance/), read 2026-09-12: every candidate on the page was refused
- [altLINE (The Southern Bank Company)](https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/), read 2026-09-11: every candidate on the page was refused
- [eCapital](https://ecapital.com/blog/2022-invoice-factoring-rates-and-costs/), read 2026-09-12: every candidate on the page was refused
- [Invoice Factoring Guide](https://www.invoicefactoringguide.com/factoring-calculator/), read 2026-09-12: every candidate on the page was refused
- [Nowaccount (NOW Corp)](https://nowcorp.com/resources/non-recourse-invoice-factoring-explained/), read 2026-09-12: read in full and no accepted figure on the page
- [RTS Financial](https://www.rtsinc.com/guides/difference-between-recourse-and-non-recourse-factoring), read 2026-09-12: read in full and no accepted figure on the page
- [Scale Funding](https://getscalefunding.com/scale-funding-insights/factoring-rates/), read 2026-09-12: read in full and no accepted figure on the page
- [Solution Scout](https://solutionscout.com/invoice-factoring/factoring-rates/), read 2026-09-12: every candidate on the page was refused
- [TAB Bank](https://www.tabbank.com/factoring/), read 2026-09-12: read in full and no accepted figure on the page
- [altLINE (The Southern Bank Company)](https://altline.sobanco.com/invoice-factoring-calculator/), read 2026-09-12: read in full and no accepted figure on the page
- [eCapital](https://ecapital.com/en-gb/financial-term/confidential-invoice-discounting/), read 2026-09-12: read in full and no accepted figure on the page

## 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.

## Sources

- [1st Commercial Credit](https://www.1stcommercialcredit.com/invoice-factoring-calculator) (the publisher's own terms; quoted for reporting and comment)
- [1st Commercial Credit](https://www.1stcommercialcredit.com/blog/cost-invoice-factoring) (the publisher's own terms; quoted for reporting and comment)
- [Aspire](https://aspireapp.com/us/blog/invoice-factoring-rates) (the publisher's own terms; quoted for reporting and comment)
- [Bankers Factoring](https://www.bankersfactoring.com/how-much-does-invoice-factoring-cost/) (the publisher's own terms; quoted for reporting and comment)
- [Bankers Factoring](https://www.bankersfactoring.com/best-invoice-factoring-calculator-estimate-costs-boost-cash-flow/) (the publisher's own terms; quoted for reporting and comment)
- [Bobtail](https://www.bobtail.com/blog/trucking-factoring-cost/) (the publisher's own terms; quoted for reporting and comment)
- [CapFlow Funding](https://capflowfunding.com/factoring-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Charter Capital](https://www.charcap.com/invoice-factoring/factoring-cost/) (the publisher's own terms; quoted for reporting and comment)
- [Commonwealth Capital](https://commonwealthmn.com/invoice-factoring-articles/truth-non-recourse-factoring) (the publisher's own terms; quoted for reporting and comment)
- [Crestmont Capital](https://www.crestmontcapital.com/blog/invoice-factoring-rates-and-fees) (the publisher's own terms; quoted for reporting and comment)
- [Drip Capital](https://www.dripcapital.com/en-us/resources/finance-guides/costs-of-financial-factoring) (the publisher's own terms; quoted for reporting and comment)
- [Factor Funding](https://factorfunding.com/factoring-fees/) (the publisher's own terms; quoted for reporting and comment)
- [Factoring Express](https://factoringexpress.com/invoice-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Financefair](https://financefair.com/blog/invoice-finance-providers/) (the publisher's own terms; quoted for reporting and comment)
- [Flexent (Hitachi Business Finance)](https://flexent.com/recourse-vs-non-recourse-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [FundInvoice](https://www.fundinvoice.co.uk/find_out_more/invoice-finance-costs.html) (the publisher's own terms; quoted for reporting and comment)
- [FundThrough](https://www.fundthrough.com/blog/invoice-factoring/do-banks-factor-invoices/) (the publisher's own terms; quoted for reporting and comment)
- [Gateway Commercial Finance](https://gatewaycfs.com/) (the publisher's own terms; quoted for reporting and comment)
- [Lend (Australia)](https://www.lend.com.au/invoice-finance-factoring) (the publisher's own terms; quoted for reporting and comment)
- [MJN Services](https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking) (the publisher's own terms; quoted for reporting and comment)
- [Novuna Business Cash Flow](https://www.novuna.co.uk/business-cash-flow/solutions/debt-financing/invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [PeerSense](https://peersense.com/invoice-factoring-rates) (the publisher's own terms; quoted for reporting and comment)
- [Penny Freedom](https://www.pennyfreedom.co.uk/) (the publisher's own terms; quoted for reporting and comment)
- [Porter Capital](https://portercap.com/invoice-factoring-rates-fees-how-pricing-works-with-real-examples/) (the publisher's own terms; quoted for reporting and comment)
- [Porter Freight Funding](https://porterfreightfunding.com/blog/how-much-do-freight-factoring-companies-charge/) (the publisher's own terms; quoted for reporting and comment)
- [REIL Capital](https://reilcap.com/invoice-factoring/invoice-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Riviera Finance](https://www.rivierafinance.com/factoring-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Riviera Finance](https://www.rivierafinance.com/finance-blog/how-much-does-factoring-cost-and-is-it-worth-it-for-your-trucking-business/) (the publisher's own terms; quoted for reporting and comment)
- [SME Invoice Finance](https://www.smeinvoicefinance.co.uk/invoice-finance-rates-costs-explained/) (the publisher's own terms; quoted for reporting and comment)
- [Sonovate](https://www.sonovate.com/blog/what-is-invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Spark Finance](https://www.sparkfinance.co.uk/data/uk-invoice-finance-rate-index) (the publisher's own terms; quoted for reporting and comment)
- [Swoop Funding](https://swoopfunding.com/us/business-loan-calculator/invoice-factoring-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Transport Clearing East](https://www.tceast.com/factoring-fees-trucking/) (the publisher's own terms; quoted for reporting and comment)
- [TreviPay](https://www.trevipay.com/resource-center/blog/how-much-does-invoice-factoring-cost/) (the publisher's own terms; quoted for reporting and comment)
- [Truckstop](https://truckstop.com/blog/freight-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Universal Funding](https://www.universalfunding.com/factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Wells Fargo Commercial](https://www.wellsfargo.com/com/solutions/global-receivables-and-trade/supplier-finance/) (the publisher's own terms; quoted for reporting and comment)
- [altLINE (The Southern Bank Company)](https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/) (the publisher's own terms; quoted for reporting and comment)
- [eCapital](https://ecapital.com/blog/2022-invoice-factoring-rates-and-costs/) (the publisher's own terms; quoted for reporting and comment)
- [Apex Capital](https://www.apexcapitalcorp.com/blog/factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Commercial Capital (Australia)](https://www.comcapfactoring.com/au/blog/invoice-factoring-costs/) (the publisher's own terms; quoted for reporting and comment)
- [Invoice Factoring Guide](https://www.invoicefactoringguide.com/factoring-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Kapitus](https://kapitus.com/products-services/invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Nowaccount (NOW Corp)](https://nowcorp.com/resources/non-recourse-invoice-factoring-explained/) (the publisher's own terms; quoted for reporting and comment)
- [Paychex Funding Solutions](https://www.paychex.com/funding-solutions) (the publisher's own terms; quoted for reporting and comment)
- [RTS Financial](https://www.rtsinc.com/guides/difference-between-recourse-and-non-recourse-factoring) (the publisher's own terms; quoted for reporting and comment)
- [Scale Funding](https://getscalefunding.com/scale-funding-insights/factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Solution Scout](https://solutionscout.com/invoice-factoring/factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [TAB Bank](https://www.tabbank.com/factoring/) (the publisher's own terms; quoted for reporting and comment)
- [altLINE (The Southern Bank Company)](https://altline.sobanco.com/invoice-factoring-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [eCapital](https://ecapital.com/en-gb/financial-term/confidential-invoice-discounting/) (the publisher's own terms; quoted for reporting and comment)
- [ukfinance.org.uk](https://www.ukfinance.org.uk/invoice-finance-and-asset-based-lending-members) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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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