Freight Factoring Fee Calculator
True cost of a factoring company on your monthly invoices.
Factoring fee = invoice amount × factoring rate. Typical current non-recourse factoring rate is 2–4% of invoice with same-day funding.
How it works
- 1Total monthly invoiced revenue
Use gross invoiced amount, not net broker-paid.
- 2Enter your factoring rate
2–4% non-recourse, 1–3% recourse is normal in 2026.
- 3Compare to cost of NOT factoring
If 30–45 day broker terms force you to skip payments or fuel cards, factoring is cheaper than the alternative.
Example: $25,000/mo invoices at 3%
| Monthly factoring fee | $750 |
| Annual cost | $9,000 |
| Effective rate with $20 ACH | 3.08% |
Takeaway: Watch hidden ACH, lockbox, and minimum-volume fees — they push effective rate above 5% on small fleets.
Key takeaways
- Non-recourse: 2–4%. Recourse: 1–3%.
- Hidden fees (ACH, lockbox, min volume) can double the headline rate.
- Bonafide partners route factoring at flat 2.5% with same-day funding.
Frequently asked questions
What is the average factoring fee for trucking?+
2–4% of invoice for non-recourse, 1–3% for recourse. Watch for hidden ACH, lockbox, and minimum-volume fees that push effective rate above 5%.
Is freight factoring worth it?+
Yes if brokers pay you in 30–45 days and your CPM cash flow can't carry that float. The cost of NOT factoring is often a missed truck payment or a maxed-out fuel card.
Last reviewed June 15, 2026 by the Bonafide Trucking Solutions dispatch team.