AICA Carrier Tools
Factoring Cost Checkup & Contract Deadline Tracker
Estimate what your factoring arrangement really costs each year, identify added fees, and calculate a possible notice deadline before the contract renews.
Free tool. No email required. No data stored.
Enter the terms you know from your agreement or quote. The tool combines the stated rate, invoice charges, monthly fees, reserve timing, and renewal terms into one educational estimate you can use to prepare better questions.
This is an estimate, not financial advice or a prediction. Actual terms, timing, and operating costs vary.
Your entries stay in this browser
AICA does not receive or store the numbers entered in this checkup. Calculate to see an annual cost estimate and the date by which a contract notice may need to be sent.
Turn the Estimate Into a Quote Checklist
The calculator uses the assumptions you enter. An actual quote can include funding, minimum-volume, administrative, and termination charges that are not captured by one headline rate.
Why the Payment Gap Matters
Payment timing can create a working-capital gap even when an operation is profitable on paper. The useful question is not whether factoring is universally good or bad; it is whether the all-in cost of faster cash is better for your operation than the available alternatives. Model the gap, obtain written quotes, and compare both cost and contract risk.