Invoice Factoring Calculator
See how much cash you could unlock from an unpaid government invoice. Adjust the advance rate and fee to estimate your funding in seconds.
Encore advances up to 90% of approved invoice value.
Government factoring fees are typically ~1–3%.
Estimates only. Actual advance rate and fee depend on your contracts and invoice terms — a specialist will quote exact figures.
How factoring math works
Invoice factoring turns an unpaid invoice into immediate cash. You receive the advance — a percentage of the invoice, up to 90% — within about 48 hours. When the government pays the invoice, you receive the balance, minus a transparent factoring fee. Because the federal government is a low-risk payer, GovCon factoring fees are typically lower than commercial rates.
There's no fixed monthly payment and no debt added to your balance sheet — you're simply accelerating money you've already earned. Use the calculator above to estimate any invoice, then get exact terms from a specialist.
Frequently asked questions
How is a factoring advance calculated?
Multiply your invoice amount by the advance rate. At a 90% advance on a $100,000 invoice, you'd receive $90,000 up front, with the remaining balance (less the factoring fee) paid when the government settles the invoice.
How is the factoring fee calculated?
The fee is a percentage of the invoice amount. Government factoring fees are typically around 1–3% because the federal government is a low-risk payer. On a $100,000 invoice at a 2% fee, the fee would be $2,000.
What advance rate does Encore offer?
Encore advances up to 90% of an approved invoice's value, typically within 48 hours of approval. Your exact rate depends on your contracts and invoice terms.
Is this calculator exact?
It provides an estimate to help you plan. Actual advance rate and fee are quoted by a funding specialist based on your specific contracts — submit the form for a no-obligation quote.
Get your exact terms
Fast, no-obligation. A specialist responds within 24 hours.