Free tool
Compare factoring offers side by side
Proposals are written to look different so they are hard to compare. Enter the five numbers that actually drive cost and see them lined up.
Compare Options Without Calling Every Factor
Share four quick details to begin exploring available programs.
Short answer
To compare factoring offers, normalize them to the same invoice size and monthly volume, then compare net cash per invoice and total monthly cost — not the advertised rate. The advance rate changes how much arrives today; the factoring rate, per-funding fee and monthly minimum change what the money costs.
Your volume
| Line item | Offer A | Offer B | Offer C |
|---|---|---|---|
| Advance amount | $2,375.00 | $2,375.00 | $2,375.00 |
| Factoring charge | $75.00 | $75.00 | $75.00 |
| Per-funding fee | $15.00 | $15.00 | $15.00 |
| Net cash per invoice | $2,285.00 | $2,285.00 | $2,285.00 |
| Effective cost per invoice | 3.60% | 3.60% | 3.60% |
| Estimated monthly cost | $1,800.00 | $1,800.00 | $1,800.00 |
Lowest estimated monthly cost at your volume: Offer A. Change the invoice size and watch the ranking move — that sensitivity is the point.
Actual rates, fees, advance amounts, and terms vary by factoring provider and are subject to provider approval and agreement terms. Results are estimates only and are not an offer from HaulFund.
Key takeaways
- Normalize every proposal to the same invoice amount and monthly volume before comparing.
- Per-funding fees dominate on small invoices; rate dominates on large ones.
- A monthly minimum turns a slow month into a penalty.
- A higher advance is cash timing, not a discount.
- Price is one input — notice period and termination terms decide what leaving costs.
What this tool deliberately leaves out
Cost is only half of a factoring decision. Two proposals can price identically and behave nothing alike once you are inside them: how long recourse runs before a chargeback lands back on you, when reserve is released, whether fuel advances carry their own fee, how quickly a broker credit check comes back on a Friday afternoon, and what the notice period costs if you want out. Run the numbers here, then take the winner through the agreement checklist before you sign anything.
Frequently asked questions
- Why does the cheapest rate often lose this comparison?
- Because per-funding fees and monthly minimums are charged regardless of rate. On small invoices a $20 wire fee can outweigh a half point of rate several times over.
- What should I enter for the monthly minimum?
- Enter the minimum fee the agreement says you owe if your volume falls short. If the proposal has none, leave it at zero.
- Is the winner of this comparison the offer I should take?
- Not on its own. Price is one factor; notice period, termination terms, recourse period, reserve release timing and back-office quality all matter. HaulFund is a factoring broker — the provider you choose sets and approves final terms.
Keep reading
Factoring agreement checklist
Turn the winning proposal into written questions.
Factoring cost calculator
Net cash on a single invoice.
How to compare factoring companies
The full evaluation framework.
How factoring rates work
Flat, tiered, and what moves your number.
Hidden factoring fees
Line items outside the headline rate.
Factoring Contract Center
Clause-by-clause explanations.
Want help comparing your options?
Send us the proposals you already have, or start from scratch. HaulFund compares factoring options from participating third-party providers — the provider you choose makes the final decision.
HaulFund is a factoring broker and is not a direct lender or factoring provider. HaulFund connects businesses with independent third-party factoring providers. HaulFund does not make final credit, underwriting, approval, or funding decisions. Rates, fees, advance amounts, funding times, contract terms, and eligibility vary by provider and are subject to provider approval.