Invoice Finance Fee Comparison Template

A free, editable CSV template for comparing invoice finance quotes line by line. It lays out every cost line UK providers use, service charge, discount margin, advance rate, minimum monthly fee, setup fee, contract term, notice period, bad debt protection and other fees, with three blank rows for your own quotes. No email required to download.

What is in the template

Invoice finance quotes are hard to compare because providers present costs differently. One leads on service charge, another buries a minimum monthly fee, a third adds CHAPS and audit fees on top. The template forces every quote into the same columns so you can see the real cost difference. The columns are:

• Facility type (factoring, discounting or selective)
• Service charge as a percentage of invoice value
• Discount charge as a margin over Bank of England base rate
• Advance rate percentage
• Minimum monthly fee and setup or arrangement fee
• Minimum contract term and notice or termination period
• Bad debt protection cost if added
• Other fees such as CHAPS, audit and re-factoring
• Estimated annual cost and a free-text notes column

The first three rows are worked examples to show how to fill it in. Replace them with your own quotes in the three blank rows at the bottom. The example figures are generic and illustrative; they are not provider-specific quotes.

Once you have populated it, our line-by-line comparison guide walks through how to read the result, and the cost calculator turns headline rates into a monthly figure. For verified provider terms, see the UK Invoice Finance Rate Index.