Invoice Finance Affordability Calculator UK
Tells you whether your monthly invoice finance cost is sustainable based on your turnover and margin. Inputs: annual turnover, gross margin, expected facility size. Output: monthly cost, % of revenue, % of margin, sustainability score.
Calculator
Your monthly invoice finance cost
£560
Invoice finance is comfortable for your business. The facility cost is well within typical sustainability thresholds (under 5% of gross margin).
| Item | Value |
|---|---|
| Annual turnover | £500,000 |
| Gross margin | 35% |
| Expected facility size | £80,000 |
| Service charge (0.7% of turnover) | £3,500/year |
| Discount charge (3.75% base + 2% margin, 70% average utilisation) | £3,220/year |
| Estimated monthly cost | £560 |
| Cost as % of monthly revenue | 1.34% |
| Cost as % of gross margin | 3.8% |
| Sustainability rating | Comfortable |
Source: Market Invoice affordability calculator, base rate 3.75% + 2% discount margin
Illustrative default scenario. Adjust the calculator inputs above for your own figures.
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### Worked example: £500,000 turnover, 35% gross margin (default calculator scenario) | Item | Value | | --- | --- | | Annual turnover | £500,000 | | Gross margin | 35% | | Expected facility size | £80,000 | | Service charge (0.7% of turnover) | £3,500/year | | Discount charge (3.75% base + 2% margin, 70% average utilisation) | £3,220/year | | Estimated monthly cost | £560 | | Cost as % of monthly revenue | 1.34% | | Cost as % of gross margin | 3.8% | | Sustainability rating | Comfortable | Source: Market Invoice affordability calculator, base rate 3.75% + 2% discount margin Illustrative default scenario. Adjust the calculator inputs above for your own figures.
“An affordability estimate is a starting point, not an offer. The real facility size and price depend on your debtor-book quality, sector, and the individual lender's appetite, which only a quote against your actual ledger will reveal.”
What this tool tells you
Tells you whether your monthly invoice finance cost is sustainable based on your turnover and margin. Inputs: annual turnover, gross margin, expected facility size. Output: monthly cost, % of revenue, % of margin, sustainability score.
All UK invoice finance providers serve businesses across the full UK. The numbers above are typical UK market rates for invoice finance affordability calculator UK. For real quotes matched to your specific business, use our 60-second comparison tool.