🗓️ Last updated: June 2026·User-input cost estimate · CAD · no rates baked in, not an APR
🍁 Canada Tool
🇨🇦 Canadian Freight Broker Quick-Pay Cost Calculator
See what quick-pay actually costs on a freight invoice. Enter your own CAD invoice amount, the quick-pay fee, and your standard versus quick-pay payment days, and get the fee, your net payment, the days accelerated, and the cost per day — a plain dollar figure, not an APR. A cost comparison from your numbers; no rates baked in.
🧾 The Invoice & Quick-Pay Fee (CAD)
Enter the figures from your own invoice, rate confirmation, or broker terms. The greyed examples are placeholders to overwrite — every figure is yours.
Your quick-pay fee as a percent of the invoice, e.g. 3 for 3%.
Any fixed fee charged on top of the percentage.
🗓️ Payment Timing
Days you would normally wait to be paid, e.g. 30.
Days to be paid under quick-pay, e.g. 2.
📊 Scale It (optional)
Add a count or a volume to total the cost. Leave blank to skip that output.
Total Quick-Pay Fee (this invoice)
—CAD
percentage fee plus any flat fee you entered
Net Paid After Quick-Pay Fee
—CAD
invoice amount minus the total fee
Percentage Fee
—
Flat Fee
—
Effective Fee %
—
Days Accelerated
—
Cost Per Day Accelerated
—
Cost Across Invoices
—
Monthly Quick-Pay Cost
—
Annual Quick-Pay Cost
—
This tool is for planning only. It uses the invoice amount, quick-pay fee, and payment timing numbers you enter to estimate quick-pay cost, net payment, and payment acceleration. It is not factoring advice, lending advice, legal advice, tax advice, contract advice, payment-terms advice, or financial advice. It does not determine whether a quick-pay fee is fair, enforceable, compliant, advisable, excessive, or suitable for your business. Cost per day accelerated is a simple dollar-cost figure, not an APR, interest rate, or lending determination. Actual payment terms depend on the broker, carrier, customer, contract, invoice, lender, factoring company, and business arrangement. Confirm payment terms with your contract, accountant, legal advisor, or qualified professional.
See the quick-pay fee and what it buys you in days
Quick-pay lets a carrier or owner-operator get paid in a day or two instead of waiting out standard terms, in exchange for a fee taken off the invoice. Whether that trade is worth making is a business decision — but you cannot make it well without seeing the two numbers it turns on: the dollar cost of the fee, and how many days earlier the money arrives. This calculator puts both in front of you from your own figures.
Enter the invoice amount, the quick-pay fee (as a percentage and any flat amount), and your standard versus quick-pay payment days. It returns the total fee, your net payment after the fee, the effective fee percentage, the days the payment is accelerated, and the cost per day accelerated — expressed as a plain dollar figure, not a rate. Add a number of invoices or a monthly or annual volume and it totals the cost across them. It is built the QuicklyFig way: pure user-input math, no rates assumed, no benchmarks, change any input and the result updates instantly.
Figure
Formula
Percentage fee
invoice amount × (fee percentage ÷ 100)
Total quick-pay fee
percentage fee + flat fee
Net paid
invoice amount − total fee
Effective fee percentage
total fee ÷ invoice amount × 100
Days accelerated
standard payment days − quick-pay days
Cost per day accelerated
total fee ÷ days accelerated (plain $ per day)
Cost across invoices
total fee × number of invoices
Monthly / annual cost
total fee × monthly or annual invoice volume
Use the cost per day accelerated to compare scenarios on your own terms — for example, the same fee buys far more value when it moves a payment up by 28 days than by 3. The figure is a simple dollar-per-day cost, not an interest rate, and this tool never annualizes it. What counts as worthwhile is yours to decide; pair it with the Factoring and Load Profitability calculators to see quick-pay in the context of your whole cash position.
Frequently Asked Questions
What does this quick-pay cost calculator do?
It estimates what taking quick-pay costs on a freight invoice from the numbers you enter — your invoice amount, the quick-pay fee percentage, any flat fee, and the standard versus quick-pay payment days. It returns the quick-pay fee, the net payment after the fee, the effective fee percentage, how many days the payment is accelerated, and the cost per day accelerated as a plain dollar figure. Enter a number of invoices or a monthly or annual volume to total the cost. It is a calculation from your inputs only.
How is each figure calculated?
Percentage fee = invoice amount × your fee percentage. Total fee = percentage fee + any flat fee. Net paid = invoice amount − total fee. Effective fee percentage = total fee ÷ invoice amount. Days accelerated = standard payment days − quick-pay days. Cost per day accelerated = total fee ÷ days accelerated. Total across invoices = total fee × number of invoices, and monthly or annual cost = total fee × the volume you enter. Every figure comes from your inputs.
Is the cost per day an interest rate?
No. The cost per day accelerated is simply your total quick-pay fee divided by the number of days the payment is moved earlier — a plain dollar-per-day figure. It is not an APR, an interest rate, or a lending cost, and this tool does not annualize the fee or convert it into any rate. It is only a way to see the fee against the time you save.
Does this tell me whether quick-pay is worth it or fair?
No. It does not judge whether a quick-pay fee is fair, excessive, advisable, enforceable, compliant, or suitable for your business, and it does not recommend whether to use or avoid quick-pay. It only shows the cost and net payment for the terms you enter so you can compare scenarios yourself. Decisions about payment terms should be made with your contract, accountant, or a qualified advisor.
Does it use standard or typical quick-pay rates?
No. It applies no benchmark, typical, or market quick-pay rates of any kind, and names no broker, lender, or factoring company. The example numbers are placeholders you overwrite. Every figure is built only from the invoice amount, fee, and payment days you enter, so the result reflects your own arrangement.
Weighing a quick-pay offer?
QuicklyFig is building Canadian trucking and freight tools. Free to calculate. Pro to save your quick-pay and cash-flow scenarios in your Owner-Operator Command.