AI INSIGHT: Avg factoring rate today is 2.50% - 3.00% • TRENDING: Trucking freight volume up 4% this month • LIVE RATE: Prime Rate holding steady at 8.50% • AI ALERT: Approval times currently averaging < 18 hours • MARKET: 78% of staffing firms reporting 60+ day payment delays • GET YOUR FREE AI QUOTE •

Flat fee per invoice.
No interest. No extra charges.

We pay your business the full invoice amount minus a one-time fee based on the invoice terms, not when your customer actually pays. Simple, predictable, and fair.

Standard Rate Table

Term (Days) Fee

15 Days 2.50%

Popular

30 Days (Most Common) 2.75%

45 Days (Typical) 3.75%

60 Days 5.25%

75 Days 6.25%

90 Days 7.50%

"Example: Have a $100,000 invoice with net-30 terms? Get $97,250 right away."

Live AI Pricing Engine

Calculate your payout instantly.

Invoice Amount $50,000

Payment Terms

International Invoice (+1% surcharge)

Estimated Payout

$48,625

Total Fee Cost $1,375

Effective Rate 2.75%

Apply for this Rate

The fine print (that isn't fine).

We believe in radical transparency. Most companies bury their fees in 30-page contracts. Ours fit on a single slide.

Activation Fee

A one-time **$250 onboarding fee** covers your entire account setup, verification, and legal filings. You only pay this once.

International Invoices

Processing invoices from customers outside the U.S. requires extra compliance. We charge a simple **1% surcharge** for these transactions.

"Factoring My Invoice transformed our cash flow. We stopped worrying about when the check would arrive and started focusing on taking bigger jobs. The flat fee is exactly what we needed."

Marcus Chen

CEO, Chen Logistics

Ready to unlock your cash flow?

Join 1,000+ B2B businesses that trust Factoring My Invoice to turn unpaid invoices into working capital — fast.

Get Your Free Quote hello@factoringmyinvoice.com

Flat fee per invoice. No interest. No extra charges.