Today's Invoice Factoring Rates, September 2026
As of September 27, 2026, factor fees on this desk are about 0.5 to 1.5 percent per 30 days at $20 million a month in B2B invoices. Advance is 80 to 95 percent of face. The wider market still prints 0.50 to 3.50 percent. Books below $20 million a month sit. Consumer cards are a pass.
Invoice factoring rates, October 2026
What are invoice factoring rates for B2B receivables?
Invoice factoring rates are commonly 1 percent to 4 percent of the invoice value as of October 2, 2026. The exact range is set by the capital source and can vary with receivable quality, customer concentration, industry, and structure.
PeerSense is a capital advisory firm, not a lender. The desk places files with direct capital sources, and the client pays the fee. Factoring on this desk starts at 20 million dollars a month of B2B invoices. Books below that are a pass.
PeerSense Capital Data tracks 592 receivables and credit facilities, with a median size of 200 million dollars. Public corroboration is consistent: 1st Commercial Credit reported invoice factoring rates between 1 percent and 4 percent of invoice value on March 23, 2026.
Tracked Lenders and Facilities
| Factoring and asset based capital source boxes tracked | 77 |
|---|---|
| Asset based boxes with a stated size | 48 of 55 |
| Median stated minimum facility in asset based boxes | 10 million dollars |
| Median stated maximum facility in asset based boxes | 112.5 million dollars |
| Receivables and credit facilities tracked in the market | 592 financings, median size 200 million dollars, 261 announced in the last 12 months |
| Public factoring and asset based finance news items tracked | 2,005 |
These are tracked capital sources and market financings, not PeerSense loans, from PeerSense Capital Data.
As of October 2, 2026. Next refresh November 2, 2026. The data date is October 2, 2026, and it is refreshed monthly. Read the Methodology
Recent public factoring financings
| September 2026 | Invoice factoring for business receivables | 1.2 million dollars |
|---|---|---|
| August 2026 | Factoring facility for commercial invoices | 8 million dollars |
| July 2026 | Receivables factoring for marine services | 3 million dollars |
| May 2026 | Acquisition of an accounts receivable portfolio | 30 million dollars |
| March 2026 | Non recourse factoring for a B2B manufacturer | 1.4 million dollars |
| February 2026 | Invoice factoring for a staffing business | 3 million dollars |
These are public market financings tracked by PeerSense Capital Data, not PeerSense transactions, and names are withheld.
Public Sources
Public references include 1st Commercial Credit, eCapital, MJN Services, and ABF Journal.
- eCapital (2025): Average Factoring Rates in 2025 Transportation 1.95 percent to 4.0 percent advance rate 97 percent to 100 percent plus
- 1st Commercial Credit (March 23 2026): Invoice factoring rates are between 1 percent to 4 percent of the invoice value
- MJN Services (September 14 2026): Trucking Factoring Rates High volume carriers 1.5 percent to 3 percent per invoice
- ABF Journal (February 18, 2026): up to $20 million of revolving borrowing capacity
Common Questions
- What are typical invoice factoring rates?
- Published invoice factoring rates are between 1 percent and 4 percent of invoice value. The exact range is set by the capital source.
- How do factoring company rates compare with accounts receivable factoring rates?
- Both terms generally describe a charge against invoice value, with published rates between 1 percent and 4 percent. The exact range is set by the capital source.
- What are construction factoring rates?
- Published invoice factoring rates are between 1 percent and 4 percent of invoice value. The PeerSense desk starts at 20 million dollars a month of B2B invoices.
- Can I use an invoice factoring calculator for fees and costs?
- A calculator can apply a rate between 1 percent and 4 percent to invoice value. The exact rate and costs are set by the capital source.
- What size does PeerSense review for invoice factoring?
- Factoring on this desk starts at 20 million dollars a month of B2B invoices. Books below that are a pass.
Calculators
Prepared by
Edward L. Freeman, Managing Director, is accountable for the PeerSense Capital Data program. The methodology page explains how the program is maintained. Read the Methodology
Discuss your receivables
Send your invoice volume, customer mix, and recent financial information, then talk to PeerSense at (317) 452 6990 or use the booking page for next steps.
Sources: Federal Reserve H.15 (SOFR / benchmark rates), International Factoring Association, SFNet (Secured Finance Network) Annual Data
What are current invoice factoring rates as of September 2026?
As of September 27, 2026, factor fees on this desk are about 0.5 to 1.5 percent per 30 days at $20 million a month in B2B invoices. Advance is 80 to 95 percent of face. The wider market still prints 0.50 to 3.50 percent. Books below $20 million a month sit. Consumer cards are a pass.
, PeerSense Capital Advisory · Updated September 27, 2026
Invoice Factoring Rates by Program, September 27, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| This desk | 0.5 to 1.5 percent | Per 30 days |
| Wider market, not a desk quote | 0.50 to 3.50 percent | Per 30 days |
| Advance on this desk | 80 to 95 percent of face | At funding |
| Asset based line | Not a factor fee | Revolving |
- This desk0.5 to 1.5 percent
- Term
- Per 30 days
- Loan Size
- $20 million a month
- Best For
- B2B invoices. Consumer cards are a pass.
- Wider market, not a desk quote0.50 to 3.50 percent
- Term
- Per 30 days
- Loan Size
- Not this desk
- Best For
- The band other rate pages print
- Advance on this desk80 to 95 percent of face
- Term
- At funding
- Loan Size
- $20 million a month
- Best For
- Reserve releases when the debtor pays
- Asset based lineNot a factor fee
- Term
- Revolving
- Loan Size
- $20 million a month
- Best For
- The comparison at the same floor, not a smaller book
The first row is this desk. The wider market band is not a quote and not a smaller book. Books below $20 million a month sit. Updated September 27, 2026. Not a quote.
Talk to PeerSense
Tell us your monthly invoice volume, average debtor terms (net 30/60/90), and industry. PeerSense sources capital and compares factoring and ABL options on advance rate and all in cost.
Invoice Factoring / AR Financing: The desk will reach out. No obligation.
How Factoring Pricing Works (September 2026)
- Fee is charged per 30 days outstanding. On this desk that fee is about 0.5 to 1.5 percent of face at $20 million a month in B2B invoices.
- Advance plus reserve. Advance is 80 to 95 percent of face. The reserve releases when the debtor pays, net of fees.
- Debtor credit drives price. The book still has to clear $20 million a month in B2B invoices. Consumer cards are a pass.
- It scales with the invoices. Funding follows B2B invoice volume at that floor. It is not a one time term loan.
Factoring Program Comparison, September 2026
- This desk: 0.5 to 1.5 percent per 30 days at $20 million a month in B2B invoices. Advance 80 to 95 percent of face.
- Wider market, not a desk quote: 0.50 to 3.50 percent. Books below $20 million a month sit.
- ABL alternative: the comparison at the same $20 million a month floor, not a smaller book
When Factoring Wins vs an ABL Line
Factoring on this desk starts at $20 million a month in B2B invoices. Fees about 0.5 to 1.5 percent per 30 days. Advance 80 to 95 percent of face. An asset based line is the comparison at that same floor. Books below the floor sit. Talk to PeerSense.
Where to Go Next
Full program details at Invoice Factoring. Compare structures at ABL vs Factoring and Factoring vs Line of Credit. Estimate your cost with the Factoring Cost Calculator. Compare across all rate hubs at Commercial Lending Rates Hub.
Invoice Factoring Rates Frequently Asked Questions
What are current invoice factoring rates (September 2026)?+
As of September 27, 2026, factor fees on this desk are about 0.5 to 1.5 percent per 30 days at $20 million a month in B2B invoices. Advance is 80 to 95 percent of face. The wider market still prints 0.50 to 3.50 percent. Books below $20 million a month sit. Consumer cards are a pass.
How is the factoring fee calculated?+
The fee is a percent of invoice face for each 30 days the invoice stays open. On this desk that percent is about 0.5 to 1.5 at $20 million a month in B2B invoices. Advance is 80 to 95 percent of face. Books below $20 million a month sit. A one invoice example is not this desk.
What is the difference between recourse and non recourse factoring?+
On this desk the fee is about 0.5 to 1.5 percent per 30 days at $20 million a month in B2B invoices either way the credit is split. Recourse means unpaid invoices come back to the seller. Non recourse shifts defined insolvency only, not disputes or slow pay. The wider market still prints 0.50 to 3.50 percent. That wider band is not a desk quote.
What is a typical advance rate on factored invoices?+
Advance on this desk is 80 to 95 percent of face. The reserve releases when the debtor pays, net of fees. The floor is $20 million a month in B2B invoices. Books below that sit.
Is invoice factoring a loan?+
Factoring on this desk is a sale of B2B invoices at a discount. It is not term debt, and the floor is still $20 million a month. Advance is 80 to 95 percent of face. Fees are about 0.5 to 1.5 percent per 30 days. Consumer cards are a pass. An asset based line is the comparison at that same floor.
What industries use invoice factoring most?+
Heaviest B2B users: staffing agencies, freight/trucking and transportation, commercial manufacturing and distribution, oilfield and energy services, government contractors, IT and professional services with net 30/60/90 terms, and wholesale/B2B suppliers. The common thread is creditworthy commercial or government debtors with a gap between delivery and payment. This page covers B2B invoices only. Consumer cards are a pass.
How much can I factor, is there a minimum or maximum?+
Public floor on this desk is $20 million a month. Books below that sit. Institutional staffing and transportation books at that floor are the file. A stabilized book can be compared with an asset based line.
When should I use an ABL line instead of factoring?+
An asset based line is the comparison once the book is at $20 million a month in B2B invoices. Books below that floor sit. Factor fees on this desk are about 0.5 to 1.5 percent per 30 days. Advance is 80 to 95 percent of face. Talk to PeerSense.
See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
SBA 7(a) & 504
SearchSearch path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Editorial integrity: Factoring fee and advance ranges compiled by PeerSense Capital Advisory. PeerSense sources capital through a curated network of commercial lenders and capital sources. Content is for educational purposes only and covers B2B invoices. Consumer cards are a pass. Rates and advance rates are indicative of approximate September 27, 2026 market conditions and are not a quote; they may not reflect conditions at time of reading. Actual pricing varies by monthly volume, debtor credit quality and concentration, dilution, recourse structure, and industry. Consult an active factor or asset based lender for transaction specific terms.