💰 Your Numbers
Working Capital Needed
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Cash Flow Gap
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Monthly Invoice Volume
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Daily Invoice Exposure
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Gross Margin / Load
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Monthly Gross Margin
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Factoring Fee (monthly)
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Net After Factoring
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Carrying Cost (monthly)
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Net After Carrying Cost
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Factoring vs. Carry
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Lower-Cost Option
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Planning estimate only. This calculator provides planning estimates only. It is not financial, lending, tax, accounting, or legal advice. Results do not guarantee financing eligibility, factoring approval, cash availability, creditworthiness, or any business outcome. The factoring model is a simplified full-advance illustration and excludes reserves, holdbacks, recourse terms, chargebacks, minimum fees, and underwriting conditions. Consult a qualified financial professional before making business financing decisions.
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Frequently Asked Questions
What is the cash flow gap for a freight broker?
The cash flow gap is the number of days between when you pay your carrier and when your shipper pays you. If you pay a carrier on day 2 and the shipper pays you on day 45, your gap is 43 days. During that gap you are funding the load out of your own working capital or a factoring line.
How is factoring cost compared with carrying the gap?
Factoring cost is the factoring fee applied to your monthly invoice volume. Carrying cost is the estimated cost of funding the gap yourself, based on the working capital tied up and your cost of capital over the gap period. The calculator shows both so you can compare them and see the break-even point at your inputs.
Is this a simplified factoring model?
Yes. This tool uses a simplified full-advance illustration. It does not model reserves, holdbacks, recourse terms, chargebacks, minimum fees, or underwriting conditions, which vary by factoring company and agreement. Treat the output as a planning estimate, not a quote.
Running these numbers every load?
Broker Command saves your margins, cash flow gaps, carrier payment terms, and load profitability in one dashboard. Free to calculate. Pro to save.
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