See Your Advance Amount in Real Time
Enter your invoice volume and payment terms. Get your estimated advance, fee and the opportunity cost of waiting for payment.
- No Obligation to Sign
- Ask About a Trial Period
- 600+businesses funded
- $900M+invoices purchased
- 97%fund again
Estimate your advance
- Advance, funded the same day you submit
- $212,500
- Reserve, paid to you when your customer pays
- $37,500
- Est. fee, taken from the reserve
- −$5,875
- Total you receive
- $244,125
Estimate only. Advances run 70–97% by industry; your exact rate and fee are in your written proposal. No hard credit pull to start.
Understanding the Output
What These Numbers Mean
This calculator shows three numbers, including one most buyers don't think to calculate.
Output 1
Your Estimated Advance
The percentage of your invoice face value Sigma advances immediately. Varies by industry and customer creditworthiness. Your actual rate is calculated based on your specific invoices — the estimator shows a typical range. No percentage published on this page because your real number depends on your specific customers.
Output 2
Your Estimated Monthly Fee
A fee on each invoice, calculated on the full invoice amount from a fee schedule set by how long your customer takes to pay. It depends on your industry, your customer's credit, and your invoice terms. The estimator shows a typical range — your exact fee appears in your proposal before you sign anything. No surprises after closing. No wire fees, no monthly minimums, no hidden charges.
Output 3
Potential Working-Capital Opportunity
It estimates the revenue opportunity tied up in unpaid invoices each month while you wait for customer payments. For a growing business, it can be larger than the factoring fee.
Payment Terms
How Payment Terms Change Your Cost
The advance is the same whichever terms your customer pays on. What changes is the fee, and so the reserve you get back. This example uses the estimator's staffing figures for a $100,000 invoice.
| Customer pays in | Advance on day one | Fee | Reserve released after payment | Total you receive |
|---|---|---|---|---|
| 30 days | $85,000 | $2,350 | $12,650 | $97,650 |
| 45 days | $85,000 | $3,525 | $11,475 | $96,475 |
| 60 days | $85,000 | $4,700 | $10,300 | $95,300 |
Hypothetical, not an offer. Figures come from the same calculation as the estimator above. Your proposal sets your advance, fee and reserve release. How factoring fees work, and how to compare quotes.
Ready to See Your Real Numbers?
The calculator shows estimates. Your proposal shows exact figures — advance rate, fee, and net proceeds — before you sign anything.
- No hard credit pull
- No obligation to sign
- Ask about a trial period