Pricing Structure
Your exact numbers appear on a written offer before you sign anything, in your state's required format where one exists. No hidden fees.
How your fee is determined
Payer Speed
Faster-paying payers command lower discount fees. We measure the median days-to-pay for your payers.
Proof Quality
Complete proof sets with valid hashes and source-system linkage (like Envoy) reduce verification risk.
Track Record
Your historical Clean Activation Rate—the percentage of installs that survive their chargeback window without cancellation.
Expected Timing
Shorter expected payment cycles result in lower absolute fees.
The IF Score Tiers
Every submission receives an IF Score between 0 and 100, which maps to a pricing tier. Higher scores mean higher advance rates, lower reserves, and lower discount fees.
Tier A (85–100)
Advance: 90% | Reserve: 10%
Example: $5,000 invoice at 90% — per $5,000 invoice; example only, actual terms set by underwriting.
Tier B (70–84)
Advance: 80–85% | Reserve: 15–20%
Example: $5,000 invoice at the 82.5% band midpoint — per $5,000 invoice; example only, actual terms set by underwriting.
Tier C (55–69)
Advance: 65–75% | Reserve: 25–35%
Example: $5,000 invoice at the 70% band midpoint — per $5,000 invoice; example only, actual terms set by underwriting.
The flat discount fee is set by your payer’s net term: Net 30 = 3.5%, Net 45 = 4.2%, Net 60 = 5.0%, Net 90 = 6.5% of invoice face value. Full rates, fees, and recourse terms are in our financing disclosure.
Want to model the math yourself? Open the advance calculator on our home page.
Pricing FAQs
What will factoring cost me?
A single flat discount fee on the invoice face value, set by your payer’s net term: Net 30 = 3.5%, Net 45 = 4.2%, Net 60 = 5.0%, Net 90 = 6.5%. No interest compounding and no hidden service costs — the fee is the cost. Full rates, fees, and recourse terms are in our financing disclosure.
How much do I receive up front?
Your IF Score tier sets the split: Tier A advances up to 90% of face value with a 10% reserve; Tier B runs roughly 80–85%; Tier C runs roughly 65–75%. The remainder is held as a reserve and returned after your payer settles. Actual terms are set per deal by underwriting — see the financing disclosure.
Is there a minimum invoice size?
Deals typically start around $5,000 in invoice face value. If you’re close to that, it’s still worth running the eligibility check.
When do I get the reserve?
After your payer remits. Most approved advances are dispatched within 24–48 hours after invoice review is complete; reserve release follows payer settlement, so timing depends on your payer’s payment behavior.