Invoice Factoring Rate Review Before You Renew Or Switch. Absolutely Free.
No obligation. No pressure. Just a clearer look at your current funding structure. Submit your documentation for review below!
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Your Factoring Rate May Not Tell The Full Story
A low factoring rate can look great at first glance. The problem is that the rate you see upfront does not always tell you what the agreement may actually cost once the full structure is in motion.
That is where the review comes in.
Instead of trying to pick through the agreement yourself, you can send it over and have it reviewed in plain English. We look at the structure behind the rate, the way charges are applied and the terms that may affect your real cost over time. The goal is not to overwhelm you with contract language. The goal is to help you understand what you are signing, renewing or comparing.
For example, one area that can make a meaningful difference is clearance days. Many invoice funders continue charging for additional days after your customer pays, often adding at least 3 extra chargeable days before fees stop. That does not usually include weekends either. The funding partners we work with do not have clearance days, which can create real savings for businesses that submit invoices often or carry larger receivable balances.
You do not need to know every clause, fee category or funding term before asking for a review. That is the point. Send the agreement over and we will help you understand whether the structure looks competitive, whether the rate tells the full story and whether there may be a better option available before you renew, switch or sign.
What We Review Inside Your Agreement
The goal of the review is simple: identify the parts of your agreement, proposal or term sheet that affect your actual funding cost.
We look beyond the headline rate and focus on the terms that can change what you pay over time. That may include:
- Rate structure
- Clearance days
- Wire fees
- Audit fees
- Usage fees
- Underwriting fees
- Yearly fees
- Renewal fees
- Other charges that are not always easy to compare upfront
We can review current factoring contracts, new proposals and term sheets. If you are looking at a new offer, we can help you understand how it compares against what you already have. If you are approaching renewal, we can help you spot the terms that deserve a closer look before you commit again.
Who This Review Is For
This review is built for businesses that invoice customers on terms and depend on steady cash flow to keep moving.
That includes companies billing on net 30, net 45, net 60 or longer payment terms. If payroll, vendors, subcontractors or operating costs come due before your customers pay, the cost of your funding matters.
This page is especially useful for business owners in industries like staffing, government contracting, security, homecare, trucking, logistics, manufacturing, janitorial, construction, IT services and professional services among others.
How The Rate Review Works
The rate review process is simple.
1. Upload your agreement, proposal or term sheet
Send the document you want reviewed through the form on this page. Common uploads include current factoring contracts, new funding proposals and term sheets.
2. We review the rate, fees and key cost details
Invoice funding experts look through the document and focus on the parts that may affect your true cost, including rate structure, clearance days and added fees.
3. You get a plain-English breakdown
After the review, we will reach out with a clear explanation of what we found. The goal is to make the numbers and terms easier to understand without forcing you to decode contract language yourself.
4. You decide what to do next
There is no requirement to switch funders or move forward. If your current structure looks solid, you will know. If there may be a better option, we can walk you through what that could look like.
Submit Your Agreement or Proposal For Review
Ready to take a closer look at your current rate, fees and terms?
Use the form below to submit your document for review. You can upload common file types such as PDF, DOC, JPG, and other formats.
The form asks for basic information about yourself, your business, current funding status and document upload. This helps us understand your situation before reviewing the agreement.
Your documents will be handled confidentially. The purpose of the review is to help you understand what your current or proposed funding structure may really cost.
Why A Second Set Of Eyes Can Matter
Factoring agreements are not always easy to compare side by side.
A business owner may look at two offers and see a similar rate, but the actual cost can change based on how the agreement is written. A few words around clearance days, renewal fees, usage charges or yearly fees can make one structure meaningfully different from another.
Most owners are not sitting around reading funding agreements all day. They are running payroll, managing customers, chasing invoices, hiring staff, fulfilling contracts and trying to grow. It makes sense that some details can get missed.
A second set of eyes helps slow the process down before you sign, renew or switch. The review may show that your current agreement is reasonable. It may also show that another structure could be more competitive. Either way, you get a clearer view before making a decision.
What Happens After The Review
After your document is reviewed, we will follow up by email and phone with a breakdown of what we found.
The review will focus on the terms that affect cost, including the rate structure, clearance days and approved fees discussed above. If your current agreement appears competitive, we will tell you that. If the structure looks expensive or there may be a better fit available, we can explain what a more competitive option may look like.
There is no pressure to move forward. The first step is simply understanding what your agreement says and what the rate may really mean once the full structure is reviewed.
Ready To Understand Your Real Factoring Cost?
Before you renew, switch or sign a new proposal, get a clearer look at the rate, fees and terms in front of you.
A few contract details can change the real cost of your funding. Do not wait until after renewal to find out what they mean.
FAQS
Invoice Factoring Rate Review FAQs
An invoice factoring rate review is a plain-English review of your current factoring agreement, proposal or term sheet. The goal is to help you understand the rate, fees and contract details that may affect your actual cost of funding.
You can submit a current factoring contract, new funding proposal or term sheet. PDF, DOC, DOCX, JPG, JPEG and other non-executable file types are typically appropriate.
Yes. If your renewal date is coming up, that is one of the best times to review your agreement. A rate review can help you understand the structure before you commit to another term.
Yes. If you received a new proposal, we can review it against your current structure and help you understand how the cost drivers compare.
Wire fees, audit fees, usage fees, underwriting fees, yearly fees, renewal fees and clearance days can all affect the real cost of a factoring agreement. The quoted rate matters, but it is not the only thing worth reviewing.
No. The review does not require you to switch funders. The goal is to give you a clearer understanding of your current or proposed agreement so you can decide what makes sense for your business.