ATLAS / PLANNING TOOLS
Invoice finance cost calculator.
Model an illustrative invoice advance, reserve, service fee and funding charge using your own fee and timing assumptions.
How this model works.
The service fee applies once to the invoice face value. Funding charges use simple daily interest on the gross advance, on a 365-day basis.
All illustrated fees are deducted upfront, and the unadvanced reserve is released at customer payment without further deductions. Actual providers may charge and release funds differently.
Excludes GST on fees, minimum fees, account charges, disputed invoices and non-payment. The invoice is assumed eligible and paid in full on the stated day.
ILLUSTRATIVE STARTING ASSUMPTIONS
Start with a scenario, then change it.
The tool opens with these example inputs. They are planning assumptions and do not represent a lender offer.
- Invoice face value ($): 100,000
- Advance percentage (%): 80
- Service fee (% of invoice): 1
- Annual funding charge (%): 12
- Days until customer payment: 45
Questions about this tool
How much cash could arrive upfront?
A larger advance does not necessarily mean a cheaper facility. Review fees, reserves, recourse and collection responsibilities in a specific proposal.
Does this tool determine approval or borrowing capacity?
No. It models the values you enter. It does not assess credit history, lender eligibility or approval.
Can I change the example assumptions?
Yes. Enter figures from your own scenario or a specific written proposal, and check the model assumptions before relying on the result.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.