You can open up the calculator here.

Introduction to funding levels - Factoring

Debtor Finance can sometimes be seen as a black art. Whilst advertisements talk about up to 90% being available against your invoices it is the use of “up to” which leads to confusion and in some cases frustration.

Debtor Financiers like to lend against invoices that are:

• Well spread - ideally your major customer is credit worthy and less than 40% of your total aged debtors
• Current - i.e. less than 90 days old
• Your invoices are not subject to “dilution” - e.g. advertising rebates, volume rebates, disputes - this is reflected in the level of credit notes you raise (as a % of sales).
• Debts that are paid more or less to terms - ideally between 45-60 days.

(for further guidance on debtor finance why not visit our learning centre where you can see our introductory videos on the subject)

How to use the calculator

Simply input the information into the dashboard to get an indication of how much you can raise from your outstanding Aged Debtors :

• Sales - rotate the sales button until you get your annual level of sales
• Advance Rate - this is the % a debtor financier will make available to you against invoices
• Debt turn - this is the average length of time it takes your customers to pay you.
• Over 90 days - this is generally the last column in your aged receivables - it shows old debt
• Level of credit notes - expressed as a % of your sales.
• Largest customer - expressed as a % of your aged analysis .

By adjusting the levels above you can see how it influences the level of finance available against your receivables.


Any queries, please do not hesitate to get in touch with us on 1300 79 30 60 or email us