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Sample Rate

Amount of Invoice
Less: Factoring Commission @ 3.50%
Less: Reserve Amount Not Funded by Roush Financial

Amount Client Receives When Invoice Factored
Reserve Amount Given To Client When Client's Customer Pays the Invoice

Less: Interest Figured on the Amount of the Invoice

(see detail1)

Total Cash To Client


Factoring Commission


Total Cost







Detail1: Reserve At the Greater of Prime Rate Plus 3% or 12% for 30 Days

Example: Figured @ 12%

($800 x 12% divided by 360 days a year x 30 days=$8.00)

***This example is for the purpose of illustaration only. Rates for both the factoring comission and reserve may vary.

Calculate Your Own Cost of Factoring (Worksheet Calculator)

Note: The work sheet calculator is not an actual quote for factoring or borrowing but an estimate since the amount to be factored, the payment terms of the clients you are doing business with, and daily changes in lending rates may affect the actual rate for what you are borrowing.

Get Your Factoring Estimation

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Input Information:

Commission Rate    3.50%

Prime Rate              9.00%        

P+3                        12.00%

Reserve Rate         20.00%

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