Our Invoice Factoring Rates - Updated Daily
An invoice factoring rate is the discount rate applied to invoices when a company sells them to a factor. It reflects the cost of turning your unpaid invoices into immediate cash flow.
Historical Factoring Rates
Displayed below is our up-to-date list of daily invoice factoring rates from the past 90 days, refreshed daily for accuracy. (*)
Date: 03/25/2025, Rate: 0.031%
Date: 03/24/2025, Rate: 0.031%
Date: 03/21/2025, Rate: 0.031%
Date: 03/20/2025, Rate: 0.031%
Date: 03/19/2025, Rate: 0.031%
Date: 03/18/2025, Rate: 0.031%
Date: 03/17/2025, Rate: 0.031%
Date: 03/14/2025, Rate: 0.031%
Date: 03/13/2025, Rate: 0.031%
Date: 03/12/2025, Rate: 0.031%
Date: 03/11/2025, Rate: 0.031%
Date: 03/10/2025, Rate: 0.031%
Date: 03/07/2025, Rate: 0.032%
Date: 03/06/2025, Rate: 0.032%
Date: 03/05/2025, Rate: 0.032%
Date: 03/04/2025, Rate: 0.031%
Date: 03/03/2025, Rate: 0.031%
Date: 02/28/2025, Rate: 0.032%
Date: 02/27/2025, Rate: 0.032%
Date: 02/26/2025, Rate: 0.031%
Date: 02/25/2025, Rate: 0.031%
Date: 02/24/2025, Rate: 0.032%
Date: 02/21/2025, Rate: 0.032%
Date: 02/20/2025, Rate: 0.031%
Date: 02/19/2025, Rate: 0.032%
Date: 02/18/2025, Rate: 0.032%
Date: 02/14/2025, Rate: 0.031%
Date: 02/13/2025, Rate: 0.031%
Date: 02/12/2025, Rate: 0.031%
Date: 02/11/2025, Rate: 0.032%
Date: 02/10/2025, Rate: 0.032%
Date: 02/07/2025, Rate: 0.032%
Date: 02/06/2025, Rate: 0.032%
Date: 02/05/2025, Rate: 0.031%
Date: 02/04/2025, Rate: 0.031%
Date: 02/03/2025, Rate: 0.032%
Date: 01/31/2025, Rate: 0.032%
Date: 01/30/2025, Rate: 0.032%
Date: 01/29/2025, Rate: 0.032%
Date: 01/28/2025, Rate: 0.032%
Date: 01/27/2025, Rate: 0.032%
Date: 01/24/2025, Rate: 0.032%
Date: 01/23/2025, Rate: 0.032%
Date: 01/22/2025, Rate: 0.031%
Date: 01/21/2025, Rate: 0.031%
Date: 01/17/2025, Rate: 0.031%
Date: 01/16/2025, Rate: 0.031%
Date: 01/15/2025, Rate: 0.031%
Date: 01/14/2025, Rate: 0.031%
Date: 01/13/2025, Rate: 0.031%
Date: 01/10/2025, Rate: 0.031%
Date: 01/09/2025, Rate: 0.031%
Date: 01/08/2025, Rate: 0.031%
Date: 01/07/2025, Rate: 0.031%
Date: 01/06/2025, Rate: 0.031%
Date: 01/03/2025, Rate: 0.031%
Date: 01/02/2025, Rate: 0.032%
Date: 12/31/2024, Rate: 0.032%
Date: 12/30/2024, Rate: 0.032%
Date: 12/27/2024, Rate: 0.032%
Date: 12/26/2024, Rate: 0.032%
Date: 12/24/2024, Rate: 0.032%
Date: 12/23/2024, Rate: 0.031%
Date: 12/20/2024, Rate: 0.031%
Date: 12/19/2024, Rate: 0.031%
Date: 12/18/2024, Rate: 0.032%
Date: 12/17/2024, Rate: 0.032%
Date: 12/16/2024, Rate: 0.032%
Date: 12/13/2024, Rate: 0.032%
Date: 12/12/2024, Rate: 0.032%
Date: 12/11/2024, Rate: 0.032%
Date: 12/10/2024, Rate: 0.032%
Date: 12/09/2024, Rate: 0.032%
Date: 12/06/2024, Rate: 0.032%
Date: 12/05/2024, Rate: 0.032%
Date: 12/04/2024, Rate: 0.032%
Date: 12/03/2024, Rate: 0.032%
Date: 12/02/2024, Rate: 0.032%
Date: 11/29/2024, Rate: 0.032%
Date: 11/27/2024, Rate: 0.032%
Date: 11/26/2024, Rate: 0.032%
Date: 11/25/2024, Rate: 0.032%
Date: 11/22/2024, Rate: 0.032%
Date: 11/21/2024, Rate: 0.032%
Date: 11/20/2024, Rate: 0.032%
Date: 11/19/2024, Rate: 0.032%
Date: 11/18/2024, Rate: 0.032%
Date: 11/15/2024, Rate: 0.032%
Date: 11/14/2024, Rate: 0.032%
Date: 11/13/2024, Rate: 0.032%
What impacts the invoice factoring rate that you company can get?
When applying for invoice factoring, several key factors influence the rate you receive. Understanding these elements can help you qualify for the most competitive pricing.
1. Contract Length
Factoring rates are often lower for businesses that commit to a longer-term agreement (e.g., 12 months). Shorter contracts may have higher rates due to increased risk for the factoring company.
2. Monthly Factored Volume
Businesses with higher monthly volumes (e.g., $500,000 or more) typically receive better rates. If your monthly volume is lower, you may see slightly higher fees.
3. Creditworthiness of Your Customers
The financial strength of your customers (debtors) plays a significant role in determining your rate. Factoring companies prefer debtors with strong credit ratings (e.g., rated by agencies like Dun & Bradstreet). If your customers have weaker credit, your rate may be adjusted accordingly.
4. Customer Concentration
A diversified customer base helps reduce risk. Your rate may be higher if many of your invoices come from just one or two customers. For example, if one customer represents more than 20% of your invoices, the risk increases, potentially leading to higher costs.
5. Invoice Payment Terms
Factoring companies offer better rates for businesses with shorter payment terms. For instance, invoices with Net 30 payment terms will typically receive lower rates than those with Net 60 or longer terms, as extended payment cycles increase financial risk.
How to Get the Best Invoice Factoring Rate for Your Business
Factor higher invoice volumes to qualify for better pricing.
Work with strong, creditworthy customers to reduce risk.
Diversify your customer base so no single client dominates your revenue.
Maintain shorter payment terms, such as Net 30 instead of Net 60.
Keep a strong financial track record to enhance credibility.
Meeting these criteria will maximize your chances of receiving the most competitive factoring rate possible. Contact us today to learn more about optimizing your factoring agreement!
Talk to our managing director
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Take control of your cash flow today. Request your custom factoring quote now and discover how our competitive rates and fast funding can drive your business forward!
(*)Disclaimer: The advertised daily rate is based on a twelve-month agreement, with minimum monthly purchases of $700,000 from Dun & Bradstreet-rated account debtors holding a 5A3 rating or higher. Debtor concentration must not exceed 15%, and net sales terms cannot exceed Net 30. Final underwriting of the applicant company, its owners/officers/guarantors, and account debtors will be a key factor in any written offer, and the results may influence the terms of any written offer.