Typical rates
What invoice finance costs.
By industry and country.
Research-informed ranges for each category. Illustrative screening assumptions, not a quotation — the provider's terms govern.
By industry
Typical terms, 100 categories.
| Industry | Terms | Advance | Fee / 30d | Fit |
|---|---|---|---|---|
| Temporary staffing | 30–60 | 85–95% | 1–3% | A |
| Healthcare staffing | 30–60 | 80–90% | 1.5–4% | A |
| IT contractor staffing | 30–60 | 80–90% | 1–3% | A |
| Industrial staffing | 30–60 | 85–95% | 1–3% | A |
| Construction labor staffing | 30–60 | 75–90% | 2–4% | A |
| Security guard companies | 30–60 | 80–90% | 1.5–4% | A |
| Commercial cleaning | 30–60 | 80–90% | 1.5–4% | A |
| Hospitality staffing | 15–60 | 80–90% | 2–4% | B |
| Event staffing | 15–60 | 75–90% | 2–5% | B |
| Recruitment placement agencies | 30–60 | 70–85% | 2–5% | B |
| Trucking carriers | 15–45 | 85–95% | 1.5–4% | A |
| Freight brokers | 30–60 | 75–90% | 1.5–4% | A |
| Third-party logistics | 30–60 | 80–90% | 1.5–4% | A |
| Last-mile B2B delivery | 15–45 | 80–90% | 2–4% | A |
| Warehousing services | 30–60 | 80–90% | 1–3% | A |
| Cold-chain logistics | 30–60 | 75–90% | 2–4% | B |
| Maritime freight services | 30–90 | 70–85% | 2–5% | B |
| Air cargo operators | 15–60 | 75–90% | 2–4% | B |
| Courier subcontractors | 15–45 | 80–90% | 2–4% | A |
| Fleet maintenance contractors | 30–60 | 75–90% | 2–4% | B |
| Metal fabrication | 30–90 | 75–90% | 1–3% | A |
| Automotive parts manufacturing | 45–90 | 75–90% | 1–3% | A |
| Electronics manufacturing | 30–90 | 75–90% | 1–3% | A |
| Packaging manufacturing | 30–60 | 80–90% | 1–3% | A |
| Plastics manufacturing | 30–90 | 75–90% | 1–3% | A |
| Textile manufacturing | 30–90 | 70–85% | 2–4% | B |
| Furniture manufacturing | 30–90 | 70–85% | 2–4% | B |
| Industrial machinery | 30–120 | 65–85% | 2–5% | B |
| Chemical manufacturing | 30–90 | 70–90% | 1.5–4% | B |
| Medical device manufacturing | 30–90 | 75–90% | 1–3% | A |
| Food wholesale | 7–45 | 80–90% | 1–3% | A |
| Beverage distribution | 15–60 | 80–90% | 1–3% | A |
| Industrial parts wholesale | 30–90 | 80–90% | 1–3% | A |
| Electrical supplies | 30–60 | 80–90% | 1–3% | A |
| Plumbing supplies | 30–60 | 80–90% | 1–3% | A |
| Building materials distribution | 30–90 | 70–85% | 2–4% | B |
| Pharmaceutical wholesale | 30–90 | 75–90% | 1–3% | A |
| Office supplies wholesale | 30–60 | 80–90% | 1–3% | A |
| Agricultural inputs distribution | 30–120 | 65–85% | 2–5% | B |
| Apparel wholesale | 30–90 | 65–85% | 2–5% | B |
| Electrical contractors | 30–90 | 65–85% | 2–5% | B |
| Plumbing contractors | 30–90 | 65–85% | 2–5% | B |
| HVAC installation | 30–90 | 65–85% | 2–5% | B |
| Commercial roofing | 30–90 | 60–80% | 2–6% | C |
| Concrete subcontractors | 30–90 | 60–80% | 2–6% | C |
| Civil engineering contractors | 45–120 | 60–80% | 2–6% | C |
| Road maintenance | 30–90 | 70–85% | 2–5% | B |
| Telecom infrastructure installation | 30–90 | 70–85% | 2–5% | B |
| Solar installation contractors | 30–120 | 60–80% | 2–6% | C |
| Building maintenance contractors | 30–60 | 75–90% | 1.5–4% | A |
| Medical equipment suppliers | 30–90 | 75–90% | 1.5–4% | A |
| Pharmaceutical manufacturers | 30–90 | 75–90% | 1–3% | A |
| Clinical laboratories | 30–120 | 60–80% | 2–5% | B |
| Private clinics, insurer receivables | 30–120 | 50–80% | 2–6% | C |
| Dental laboratories | 30–60 | 70–85% | 2–4% | B |
| Medical billing companies | 30–90 | 65–85% | 2–5% | B |
| Pharmaceutical distributors | 30–90 | 75–90% | 1–3% | A |
| Home healthcare agencies | 30–90 | 60–80% | 2–5% | C |
| Biotechnology contract research | 30–120 | 60–80% | 2–5% | C |
| Healthcare facilities management | 30–60 | 75–90% | 1.5–4% | A |
| IT consulting | 30–90 | 80–90% | 1–3% | A |
| Software development agencies | 30–60 | 75–90% | 1.5–4% | A |
| Managed IT services | 30–60 | 80–90% | 1–3% | A |
| Cybersecurity consulting | 30–60 | 75–90% | 1.5–4% | A |
| Engineering consulting | 30–90 | 70–85% | 2–4% | B |
| Architecture firms | 30–90 | 60–80% | 2–5% | B |
| Marketing agencies | 30–90 | 70–85% | 2–5% | B |
| Public relations agencies | 30–60 | 70–85% | 2–4% | B |
| Accounting and bookkeeping firms | 15–60 | 70–85% | 2–4% | B |
| Legal services firms | 30–120 | 50–75% | 3–6% | C |
| Oilfield services | 30–90 | 75–90% | 2–5% | A |
| Renewable energy maintenance | 30–90 | 70–85% | 2–4% | B |
| Industrial electrical maintenance | 30–60 | 75–90% | 1.5–4% | A |
| Waste management contractors | 30–60 | 80–90% | 1–3% | A |
| Commercial recycling | 30–60 | 70–85% | 2–4% | B |
| Water treatment services | 30–90 | 75–90% | 1.5–4% | A |
| Environmental remediation | 30–120 | 60–80% | 2–6% | C |
| Mining equipment suppliers | 30–90 | 70–85% | 2–4% | B |
| Industrial gas distribution | 30–60 | 80–90% | 1–3% | A |
| Energy infrastructure inspection | 30–90 | 70–85% | 2–4% | B |
| Agricultural equipment suppliers | 30–120 | 65–85% | 2–5% | B |
| Commercial farming suppliers | 30–120 | 65–85% | 2–5% | B |
| Food processing | 15–60 | 75–90% | 1.5–4% | A |
| Meat processing | 7–45 | 75–90% | 1.5–4% | A |
| Seafood wholesale | 7–45 | 70–85% | 2–5% | B |
| Commercial bakeries | 7–45 | 75–90% | 1.5–4% | A |
| Restaurant supply distributors | 15–60 | 75–90% | 1.5–4% | A |
| Hotel linen and laundry services | 30–60 | 80–90% | 1.5–4% | A |
| Commercial catering | 15–60 | 70–85% | 2–5% | B |
| Agricultural commodity traders | 15–90 | 60–85% | 2–5% | C |
| Government IT contractors | 30–90 | 75–90% | 1.5–4% | A |
| Government facilities contractors | 30–90 | 75–90% | 1.5–4% | A |
| Defense equipment suppliers | 30–120 | 65–85% | 2–5% | B |
| Public infrastructure maintenance | 30–90 | 70–85% | 2–5% | B |
| Commercial property maintenance | 30–60 | 75–90% | 1.5–4% | A |
| Property management B2B services | 30–60 | 70–85% | 2–4% | B |
| Elevator maintenance | 30–60 | 80–90% | 1–3% | A |
| Fire safety inspection | 30–60 | 75–90% | 1.5–4% | A |
| Commercial equipment rental | 30–60 | 70–85% | 2–4% | B |
| Business telecommunications services | 30–90 | 75–90% | 1.5–4% | B |
Ranges are research-informed screening assumptions. They are not observed market averages or lender quotations. Verify current terms with the buyer.
What providers publish
Verified from provider pages.
| Provider | Market | Advance | Source |
|---|---|---|---|
| InvoiceInterchange | UK / SG | 70–90% of face value | provider page |
| InvoiceMoney | Australia | up to 90% of invoice value | provider page |
Extracted 10 November 2026 from public provider pages. Fee extraction is still noisy and is not published here. Always confirm directly with the provider.
By country
Currency and assignment law.
| Country | Currency | Local note |
|---|---|---|
| Sweden | SEK | Swedish law; assignment of receivables is common and factoring is well established. Strong staffing and trucking invoice supply. |
| Denmark | DKK | Danish law; assignment and factoring are established for B2B receivables. Local language helps. |
| United States | USD | State law; UCC Article 9 governs assignment of receivables. No federal licence is generally required to introduce commercial receivables. |
| United Kingdom | GBP | England and Wales law; assignments are common. Introducing commercial receivables is not generally a regulated activity, but advice and credit broking can be. |
| Germany | EUR | German law; assignment (Abtretung) is straightforward, but data protection and notice requirements matter. No consumer-credit rules apply to B2B. |
| Netherlands | EUR | Dutch law; assignment (cessie) requires a deed. Factoring is well established for B2B receivables. |
| France | EUR | French law; cession de créance and Loi Dailly are common structures. Notice and formalities differ from common-law assignment. |
| Mexico | MXN | Mexican law; cesión de derechos. The queue is Mexico-heavy, so local partners and Spanish content are required. |
| Brazil | BRL | Brazilian law; cessão de crédito. Local regulation, tax and high interest rates affect structuring. |
| Australia | AUD | Australian law; PPSA security interests and assignment rules apply. B2B factoring is established. |
General information, not legal or tax advice. Availability depends on provider mandates in each market.