Free Tools
Invoice & Cash Flow Tools
Check your factoring eligibility, calculate exact payouts, forecast 90-day cash flow, score debtor risk, find out how much cash your business loses to delayed payments, calculate working capital requirements, measure DSO, calculate discounting costs, compare MSME loans vs invoice discounting, generate legal notices, know your legal interest rights, and generate payment reminder emails — free, instant, no account needed.
Eligibility Checker
4 quick questions to find out if your invoices qualify for factoring and which companies match you.
What type of business do you run?
Step 1 of 4
Factoring Rate Calculator
Enter your invoice amount and rate to see exactly how much you'd receive after fees.
Cash Flow Gap Calculator
See exactly how much cash is stuck in unpaid invoices, your monthly cash gap, working capital needed, and whether you risk missing payroll — based on your payment terms. Includes Net-30 vs Net-60 vs Net-90 comparison.
Working Capital Requirement Calculator
Find out exactly how much capital your unpaid invoices are holding hostage. Uses the Operating Cycle Method with real Indian SMB benchmarks — enter your revenue, receivable days, and expenses to see your exact working capital need and how much you free up by collecting faster.
DSO Calculator
Calculate your Days Sales Outstanding — the average number of days it takes your customers to pay. See how your DSO compares to Indian industry benchmarks and how much cash you unlock by reducing it by even 10 days.
Invoice Discounting Cost Calculator
Calculate the true cost of discounting your invoices — factor in platform fees, interest rates, and processing charges. Compare banks, NBFCs, and TReDS platforms (RXIL, M1xchange, Invoicemart) side by side to find the cheapest option for your business.
MSME Delayed Payment Interest Calculator
Know exactly how much interest you are legally owed on overdue invoices under the MSMED Act 2006. Enter your invoice amount, due date, and payment date to calculate compound interest at 3× the RBI bank rate — and generate a demand notice ready to send.
MSME Loan vs Invoice Discounting Calculator
Not sure whether to take an MSME term loan or discount your invoices? Enter your funding need, loan terms, and invoice details to see a true side-by-side cost comparison — EMI burden, total interest paid, effective annual rate, and which option saves you more.
Legal Notice Generator
Generate a formally worded legal payment demand notice for overdue invoices — citing the MSMED Act 2006 where applicable. Enter your details, debtor information, and invoice amount to get a ready-to-send notice you can email directly or hand to your lawyer.
Payment Reminder Email Generator
Generate professional payment reminder emails for overdue invoices in seconds. Choose your tone (polite, firm, or final notice), enter your invoice details, and get a ready-to-send email — with optional MSMED Act reference for registered MSMEs.
TReDS Eligibility Checker
Answer 5 quick questions to find out if your business qualifies for TReDS — India's government-backed invoice discounting platform. See which platform (RXIL, M1xchange, or Invoicemart) suits you best and what documents you need to onboard.
90-Day Cash Flow Forecast
Build a rolling 90-day cash flow forecast for your business. Enter your expected collections, upcoming payments, and recurring expenses to project your net cash position week by week — so you can spot shortfalls before they hit payroll.
Debtor Risk Scorer
Score the payment risk of your top debtors based on average days to pay, current overdue amount, invoice concentration, and dispute history. Know which customers are high-risk before you extend more credit — and which to chase first.
Invoice Factoring Rate Calculator
Calculate your exact advance amount, factoring fee, and net payout for any invoice. Enter your invoice value, advance rate, and factoring fee to see what you actually receive — and compare single-invoice spot factoring against whole-ledger factoring rates.
What advance rate should I expect?
Most companies advance 80–95% upfront. Trucking factoring often goes up to 97%.
How long does approval take?
Most factoring companies approve within 24–48 hours. Some offer same-day funding.
Does factoring hurt my credit?
No. Factoring is a sale of your receivables, not a loan. Your credit score is not affected.
Ready to compare factoring companies?
Now that you know your numbers, find which company offers the best rates for your industry.
Compare Factoring Companies →