Cash Flow Tool · Invoice Factoring
Invoice Factoring Cash Flow Simulator
See how invoice factoring accelerates your cash flow. Select your industry and adjust your volume to get started.
Step 1 — Personalize your estimate
Select your industry & monthly volume
Your industry sets the default advance rate, payment terms, and fee rate used in this simulation.
Step 2 — Industry Defaults
Simulation Parameters
Typical values for the Trucking industry. Your actual offer may differ — use the full simulator to enter your exact terms.
These parameters are sample industry averages — your real numbers will vary.
The only number you've entered is your monthly volume. We have a full customizable simulator where you can input your exact rates, fees, and invoice details to get a precise picture of your cash flow and total cost of factoring — and compare two scenarios across 60, 90, 180, or 365 days.
Step 3 — Results
12-Week Summary
Estimated cash flow impact over a 12-week period based on your industry defaults and monthly volume.
Weekly Cash In
Advances & Cash Reserve Releases by Week
Advances land the day you submit; cash reserve releases arrive when your customers pay. The factor holds the reserve — it’s real cash, not an accounting entry.
Cumulative Cash Position
With Factoring vs. Without Factoring
How much more cash you have in hand each week by factoring instead of waiting for payment.
Week-by-Week Breakdown
Weekly Cash Flow Detail
Each row is one week — advances in, cash reserve released by the factor, fees accrued, and your running cash position.
| Week | Advances | Cash Reserve Released | Fees Paid | Net Cash In | Cash Reserve Held by Factor | Cumulative With Factoring | Cumulative Without Factoring |
|---|---|---|---|---|---|---|---|
| Month 1 | |||||||
| Wk 1 | $6.8K | — | — | $6.8K | $591 | $6.8K | — |
| Wk 2 | $6.8K | — | — | $6.8K | $1.2K | $13.6K | — |
| Wk 3 | $4.5K | — | — | $4.5K | $1.6K | $18.1K | — |
| Wk 4 | $4.5K | — | — | $4.5K | $2.0K | $22.7K | — |
| Month 2 | |||||||
| Wk 5 | $6.8K | — | — | $6.8K | $2.6K | $29.5K | — |
| Wk 6 | $6.8K | $406 | $185 | $7.0K | $2.6K | $36.7K | $7.4K |
| Wk 7 | $4.5K | $406 | $185 | $4.8K | $2.4K | $41.6K | $14.8K |
| Wk 8 | $4.5K | $271 | $123 | $4.7K | $2.4K | $46.4K | $19.7K |
| Month 3 | |||||||
| Wk 9 | $6.8K | $271 | $123 | $6.9K | $2.6K | $53.5K | $24.6K |
| Wk 10 | $6.8K | $406 | $185 | $7.0K | $2.6K | $60.7K | $32.0K |
| Wk 11 | $4.5K | $406 | $185 | $4.8K | $2.4K | $65.6K | $39.4K |
| Wk 12 | $4.5K | $271 | $123 | $4.7K | $2.4K | $70.4K | $44.3K |
Key Insights
What This Simulation Tells You
Key takeaways based on your industry and volume — enter your exact numbers in the full simulator for a more precise picture.
Immediate Cash Unlock
Over 12 weeks, factoring puts $68K in your hands immediately — instead of waiting 35 days for each invoice to pay.
True Cost of Factoring
Your estimated fee cost is $1K (1.6% of advances). Compare this to the cost of a line of credit or the opportunity cost of slow payments.
Cash Reserve Position
At peak, $3K in cash reserve is held by the factor. By end of week 12, $2K remains held — this is real cash the factor releases as your customers pay, not an accounting entry.
Cash Flow Advantage
Factoring puts you $26K ahead cumulatively compared to waiting for payments — capital you can redeploy immediately.
Full Simulator — Personalized Analysis
Ready to Model Your Actual Deal?
Model your actual offer terms and invoice volume for a full cash flow projection. Compare two deals side by side.
Your Invoice Volume
- ✓Import your AR aging report directly
- ✓Enter your invoice volume and payment terms
- ✓Model seasonal fluctuations in your volume
Your Offer Terms
- ✓Flat, tiered, and daily rate structures
- ✓Advance rate and reserve configuration
- ✓Ancillary and other fees
- ✓Recourse and non-recourse options
Simulation & Analysis
- ✓Switch between 60, 90, 180, and 365 day views
- ✓Late payment impact on your total cost
- ✓Cash reserve tracking — average and peak
- ✓Customer concentration risk analysis
Compare & Decide
- ✓Compare two offers side by side
- ✓Full cost breakdown by fee category
- ✓Cash flow advantage vs not factoring
Access is by approval — submit your info and we’ll set up your account.
Disclaimer: This tool is a simulation designed for planning and comparison purposes. Results are estimates only — some deal-specific variables may affect your actual costs and cash flows. Please consult your financial advisor or accountant before committing to any agreement.