📊 Per-Load Profit Impact
Factoring Cost as % of Profit
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Total Factoring Cost
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Profit Before Factoring
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Profit After Factoring
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Margin After Factoring
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Immediate Net Cash
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Net Revenue After Factoring
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Implied Annualized Cost
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Not an APR — illustrative only
📋 Monthly Plan Cost
💰 Factoring Company Terms
True Monthly Factoring Cost
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Effective Rate
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Base Factoring Fee
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Additional Fees
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Annual Factoring Cost
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Cost Per Invoice
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Cash Flow Benefit
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Frequently Asked Questions
What does a 3% factoring fee actually cost my load profit?
A 3% factoring fee on a $3,000 load ($90) can consume 30% or more of your profit if your margin is 10% ($300 profit). The per-load calculator shows factoring cost as a percentage of profit, not just revenue, revealing the true impact on your bottom line.
How do I calculate the true annual cost of factoring?
The implied annualized cost considers how much you pay to access cash early versus waiting for normal payment terms. For a 3% fee on 30-day terms, the annualized cost can exceed 36% when calculated as (fee / net cash) × (365 / payment days) × 100.
What is the difference between recourse and non-recourse factoring?
Recourse factoring means you are responsible if the broker doesn't pay. Non-recourse transfers that risk to the factoring company and typically costs 0.5-1% more. Use the calculator to compare the premium versus your risk tolerance.
When does factoring make financial sense for a trucking operation?
Factoring makes sense when early cash enables profitable opportunities (fuel discounts, new loads, equipment payments) that offset the cost, or when waiting 30-60 days creates operational risk. If the cost exceeds your profit margin, reconsider or negotiate better terms.
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