Calculator
Work out roughly how much cash sits in your sales ledger, how much of it a funder would advance, and what the facility would cost over a year.
Typical ledger
£493,151
Funding available
£419,178
Estimated annual cost
£48,534
Effective cost on funds drawn: approximately 11.6% per annum. Indicative only — actual terms depend on debtor spread, sector and concentration.
The calculator converts annual turnover and average debtor days into a typical outstanding ledger, then applies the advance rate a funder would offer against it.
Cost is split the way real facilities are priced: a discount rate charged on funds actually drawn, and a service fee charged on turnover for ledger administration and collections.
Debtor concentration is the single biggest variable. A ledger where one customer is 60% of the balance will be funded more cautiously than one spread across forty accounts.
Sector matters too. Construction applications, staged billing and contracts with retention are funded at lower advance rates than clean, undisputed invoices for delivered goods.
No. It is an indication based on standard market parameters. A firm quote requires an aged debtor listing and details of your customer base.
Because the service fee is charged on turnover rather than on funds drawn. On a fast-turning ledger that fee spreads over a smaller average balance.
Want the real numbers? Send us the requirement and we will come back with indicative terms from providers whose criteria fit. No upfront fees — charges are due only once funding is in place.
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