See Your Advance Amount in Real Time
Enter your invoice volume and payment terms. Get your estimated advance, fee, and — the number no competitor shows you — the opportunity cost of waiting for payment.
- No Personal Guarantee Required
- Month-to-Month — Cancel Anytime
Trusted by 600+ businesses nationwide
- Funding Estimator
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Advance (90%)
$225,000
first funding within 48 hrs
Est. fee
$3,750
1.5% / 30 days
Net to you after fee$221,250
- First invoice funded within 48 hrs · repeat invoices in 4 hrs
- Estimates only: advances run 80–90% by industry, and fees vary
- No credit check required to start
Understanding the Output
What These Numbers Mean
This calculator shows three things no competitor's estimator shows — including the number that most buyers don't think to calculate.
Output 1
Your Estimated Advance
The percentage of your invoice face value Sigma advances immediately. Varies by industry and customer creditworthiness. Your actual rate is calculated based on your specific invoices — the estimator shows a typical range. No percentage published on this page because your real number depends on your specific customers.
Output 2
Your Estimated Monthly Fee
One flat discount fee per invoice. Based on industry risk profile, your customer's credit, and your invoice terms. The estimator shows a typical range — your exact fee appears in your proposal before you sign anything. No surprises after closing. No wire fees, no monthly minimums, no hidden charges.
Output 3 — The Unique One
Potential Working-Capital Opportunity
This is the number no other factoring calculator shows you. It estimates the revenue opportunity tied up in unpaid invoices each month while you wait for customer payments. For growth-stage businesses, this number dwarfs the factoring fee — and it's the calculation that changes minds.
Live Capital Markets
Ready to See Your Real Numbers?
The calculator shows estimates. Your proposal shows exact figures — advance rate, fee, and net proceeds — before you sign anything.
- No credit check
- No personal guarantee
- No long-term contract required