How fees are quoted
Most B2B programs use a discount fee calculated on the invoice face value for the days outstanding — sometimes quoted as a flat fee per 30-day period or as an annualized rate. Ask for an all-in example on a $100,000 invoice at net-45.
What lowers your cost
Higher monthly volume commitments Shorter customer payment terms Investment-grade customer mix Clean billing with low dispute rates
Hidden fees to watch
Wire fees, ACH fees, minimum monthly fees, due diligence charges, and early termination penalties can add up. A reputable factor discloses these upfront.
Advanced Funding Group provides transparent quotes with no application fee. Submit your aging report for a custom rate sheet.