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Grade the factoring deal in front of you.

Free. Punch in the offer. Get the effective monthly cost, the traps in the terms, and exactly what to renegotiate — graded on your real volume, not the flyer rate.

Factoring offer — worksheetHF-FAC

Monthly invoiced volume ($)

Factoring rate (% per invoice)

Deal type

Recourse

Non-recourse usually covers debtor insolvency only — not disputes or chargebacks.

Reserve held back (%)

Reserve release

Monthly minimum volume ($)

Other monthly fees ($)

Portal fees, per-invoice fees, wire surcharges — monthly total.

Contract term (months)

Cancellation notice window (days)

Contract traps