Invoice finance calculator
See how much cash your invoices could release and an indicative monthly cost, based on the advance rate, service fee and discount rate you enter.
Estimated cash released
€127,500
- Service fee / month
- €2,250
- Discount charge / month
- €550
- Indicative total cost / month
- €2,800
Illustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
How this calculator works
Invoice finance providers in Ireland typically advance 85% to 90% of approved invoices (up to 95% with some providers), then pay the balance (less their charges) when your customer pays.
Costs usually have two parts: a service fee (a percentage of your invoiced turnover) and a discount charge (interest on the money you’ve drawn, for as long as it is outstanding). Some providers add set-up, audit or minimum monthly fees.
The headline figure is the cash released: your monthly invoicing multiplied by the advance rate. The calculator assumes funds are drawn for your average days to get paid, so if customers pay later than that, the discount charge will usually be higher.
For illustration only: on €150,000 of monthly invoicing with an 85% advance, a 1.5% service fee and a 3.5% discount rate, the indicative monthly cost is about €2,808 at 45 days and about €2,994 at 60 days. Slow-paying customers cost you twice: cash arrives later and you pay to fund the wait. Under Irish late payment rules, you can usually charge business customers statutory interest on overdue invoices; the rate for the second half of 2026 is 10.4%.
Providers often look at the quality of your sales ledger more than at profits: who your customers are, how reliably they pay, whether invoices are for completed work, and how concentrated the ledger is. Ask about minimum fees, notice periods and any exit charges. The estimate leaves out set-up, audit and other extra charges.
Want to understand the product first? Read our guide to invoice finance.
Invoice finance calculator: common questions
How is the cost of invoice finance calculated?
Usually in two parts: a service fee, a percentage of the invoices you finance, and a discount charge, which is interest on the money you have drawn for as long as it is outstanding. The calculator estimates both from your monthly invoicing, advance rate and average days to get paid. Set-up, audit and minimum fees are extra.
How much of an invoice can I get upfront?
Typically 85% to 90%, and up to 95% of approved invoices with some providers, depending on the provider, your customers and your sector. The rest, less charges, is paid when your customer settles. Providers may fund less against customers who pay slowly or invoices that are disputed.
Will my customers know I use invoice finance?
With factoring, the provider usually collects payments, so customers know. With confidential invoice discounting, you keep collecting as normal and customers usually are not told. Confidential facilities often suit larger companies with good credit control, and providers may want a higher turnover for them.
What fees should I expect?
Usually a service fee on invoiced turnover and a discount charge on money drawn, plus possible set-up, audit, minimum monthly or exit fees, and notice periods to end the facility. Ask each provider for every charge in writing and compare the cost over a full year, not one month.
Can I finance just one invoice?
Yes. Selective invoice finance lets you fund single invoices or chosen customers without a whole-ledger facility, usually at a higher cost per invoice but with fewer long-term commitments. It can suit a company with one large contract or occasional cash flow gaps.
Does invoice finance work for construction companies?
Sometimes. Applications for payment, retentions and contra-charges make construction invoices harder to fund, so fewer providers lend against them. Specialist providers do, often with lower advance rates. Relevant Contracts Tax (RCT) deductions also reduce what subcontractors receive, which providers take into account.
Can I charge interest on late invoices in Ireland?
Usually, yes. The European Communities (Late Payment in Commercial Transactions) Regulations 2012 let you claim statutory interest and compensation on late business invoices. The rate is the ECB main refinancing rate plus 8 percentage points, 10.4% for July to December 2026. Charging it can also encourage customers to pay on time.
Check in 60 seconds
Get real figures for your company
Checking involves no credit search and is not recorded on the Central Credit Register. No obligation.
- No credit search, not recorded on the Central Credit Register
- One request, several lenders: we’re a broker, not a lender
- For limited companies registered in Ireland
- No fees for your company: we’re paid commission by the lender
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