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How to Use a Factoring Calculator to Predict Your Cash Flow

If you’re new to invoice factoring, you may be overwhelmed by the possibility of multiple fees or a new accounts receivable process. At Riviera Finance, we make it easy to transition into invoice factoring with our easy factoring calculator. 

We’ll walk you through how to use our invoice factoring cost calculator so you can start improving your cash flow. 

Factoring Calculator Step-By-Step Process

Advance Percent
80%
Factoring Rate
3.98%
Minimums
Due Diligence Fee
Application Fee
Maintenance Fee
Get Started

We designed our calculator to help businesses get a quick overview of how much stress they can reduce with simple factoring solutions. Here’s how to use it.

1. Input Your Invoice Amount

Your first step using the factoring calculator is to enter a single invoice amount. You don’t have to have a specific invoice in mind—even a general estimate will give you an idea of how much you’ll be paid.

Factoring services shouldn’t be complicated. When you work with Riviera Finance, there’s no minimum invoice amount, and you won’t get charged any hidden fees. 

2. Choose Your Advance Rate

Your factoring advance rate refers to the percentage of an invoice you expect to receive upfront when you work with an invoice factoring company. Our advance percentage ranges from 75% to 95%. 

We provide a cash payment within  24-hours after invoice verification, or your client confirming the invoice is due under payment terms.

3. Narrow Down Your Factoring Rate

The factoring rate refers to the small percentage fee charged for processing your invoice, providing credit risk assurance on that invoice, and then advancing your payment. This rate generally depends on details like your industry and your invoice amount. We provide invoice factoring for a wide variety of industries, including hospitality, transportation, and temporary staffing.

Try using the invoice factoring cost calculator with a few different scenarios.  To get an accurate quote to plug-in, based on your industry and invoice volumes, reach out to us

4. Review Your Estimated Payout

Your factoring calculator results will show the final amount you’ll receive after we take out our factoring fee. You’ll also have an estimated balance upon payment, which refers to the small amount we withhold until your client pays in full. 

While our calculator provides the closest estimate possible, your final amount may vary slightly based on your account details. Reach out to us and we’ll be happy to provide an exact breakdown so you can start enjoying better cash flow.

Get Started with Riviera

Want to see how factoring can help your business grow? Try our invoice factoring calculator and get started with Riviera today.

How Does Invoice Factoring Work?

Invoice factoring is the process of selling your unpaid invoices to an invoice factoring company. The company will charge a small transaction fee, then pay you the rest of the invoice amount.

Unlike a traditional loan, invoice factoring doesn’t require you to pay the amount back. That’s money you can pour into your business to keep your cash flow uninterrupted, paving the way for more projects and more growth. 

What Our Customers Are Saying

The personnel I deal with on a regular basis at Riviera are very friendly and extremely helpful. If I call with a question or concern, they are prompt in assisting me.

Marjie EllisonDallas, TX

For financing it can't get much easier. Our company has been growing for several years and the growth rates could not have been achieved without the additional financing that Riviera has provided.

Stan ShawPhoenix, AZ

Riviera helps keep a consistent cash flow and help us manage our receivables. They also help keep us from doing business with customers whose credit level is substandard.

John SavastenBirmingham, AL

Not only am I happy that I have a steady flow of cash when I need it but I am treated very well by the people who work there.

Robert GrayPortland, OR

Riviera is the backbone of my business by me knowing I always have a little something tucked away and that I can stand on my own two feet. Not only are they there to help, but they have become friends and family.

Linda VillanuevaBaltimore, MD
View All Testimonials

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