{ "name": "ReceivableLedger Receivables Finance Rate Index", "title": "Receivables Finance Rate Index", "url": "https://receivableledger.com/datasets/receivables-finance-rate-index/", "csv": "https://receivableledger.com/datasets/receivables-finance-rate-index.csv", "markdown": "https://receivableledger.com/datasets/receivables-finance-rate-index/index.md", "computed_at": "2026-10-05", "license": "https://receivableledger.com/terms", "headline": "The median published figure in the Receivables Finance Rate Index is 1.50 percent across 4 sources' own pages (range 0.50 to 1.99 percent), read 11 September 2026.", "quotes": [ "The median published figure in the Receivables Finance Rate Index is 1.50 percent across 4 sources' own pages (range 0.50 to 1.99 percent), read 11 September 2026.", "4 of the 28 named sources read in full publish a figure; 24 publish none, read 11 September 2026." ], "citation": "\"ReceivableLedger Receivables Finance Rate Index\", updated 2026-10-05, https://receivableledger.com/datasets/receivables-finance-rate-index/.", "changed_since": null, "national": { "unit": "%", "n": 4, "median": 1.5, "min": 0.5, "max": 1.99, "p25": 0.75, "p75": 1.8675, "mean": 1.3725, "units": { "%": 4 }, "published_sources": 4, "named_sources": 28, "read_sources": 28, "not_published": 24, "published_share": 0.143 }, "by_axis": {}, "rows": [ { "source": "MJN Services factoring for trucking", "url": "https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking", "figure": "1.5%", "value": 1.5, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-11", "quote": "Rates start as low as 1.5% with a $200 per month minimum, and our published rate and fee schedule lists every fee you can review before signing.", "source_class": "primary-provider-own-site", "text_sha256": "76d54c7370ab5081705561247db2fa7fb198b6c1a551d859edf13a7af5e8a3e4" }, { "source": "Novuna Business Cash Flow invoice factoring", "url": "https://www.novuna.co.uk/business-cash-flow/invoice-factoring/", "figure": "0.5%", "value": 0.5, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-11", "quote": "Rates from 0.5%", "source_class": "primary-provider-own-site", "text_sha256": "5818f7d4512258b51201f93d88bf24b05da645ec7e8359f2cdaa4ad96fb5b560" }, { "source": "Bankers Factoring rates explained", "url": "https://www.bankersfactoring.com/factoring-rates-explained/", "figure": "1.5%", "value": 1.5, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-11", "quote": "Factor Fee 1.65% 1.5%", "source_class": "primary-provider-own-site", "text_sha256": "51db09b9249f01491ed80a0b6b2a439493a73f5c7df3a0a7a6fe94f17fd2a625" }, { "source": "Factoring Express construction factoring", "url": "https://factoringexpress.com/construction-factoring/", "figure": "1.99%", "value": 1.99, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-11", "quote": "Typical construction factoring rates at Factoring Express ranges from 1.99% to 5%, depending on:", "source_class": "primary-provider-own-site", "text_sha256": "cd33606637254cffb129bd07be8a9255e2d5a0d0a0d3a1c854a4369aa8f5e96a" } ], "not_published": [ { "source": "nibusinessinfo: the cost of factoring and invoice discounting", "url": "https://www.nibusinessinfo.co.uk/content/cost-factoring-and-invoice-discounting", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Funding Circle invoice factoring costs", "url": "https://www.fundingcircle.com/uk/resources/business-finance/invoice-factoring-costs/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "altLINE trucking invoice factoring rates", "url": "https://altline.sobanco.com/average-trucking-invoice-factoring-rates/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Clear Factor Solutions freight factoring rates", "url": "https://www.clearfactorsolutions.com/blog-posts/freight-factoring-rates", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "T Management Group freight factoring rates", "url": "https://tmanagementgroup.com/freight-factoring-rates-explained/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Freight Factoring USA rate benchmark", "url": "https://freightfactoringusa.com/freight-factoring-rates-benchmark-2026/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Best Invoice Finance cost guide", "url": "https://bestinvoicefinance.co.uk/news/invoice-factoring-cost-explained-fees-charges-hidden-costs-in-the-uk/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "InvoiceWise factoring cost guide", "url": "https://invoicewise.co.uk/blog/how-much-invoice-factoring/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "altLINE invoice factoring rates explained", "url": "https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "ExpertSure invoice finance rates", "url": "https://www.expertsure.com/uk/business-finance/invoice-finance-rates/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Funding Fred bank versus specialist invoice factoring", "url": "https://fundingfred.com/blog/invoice-factoring-for-uk-businesses-bank-branded-facilities-vs-specialist", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "ComparedBusiness invoice factoring rates", "url": "https://comparedbusiness.com/uk/blog/invoice-finance/invoice-factoring-rates/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Close Brothers Invoice Finance", "url": "https://www.closebrothers.com/invoice-finance", "retrieved_at": "2026-09-11", "reason": "read in full and no accepted figure on the page" }, { "source": "Novuna profile on MarketInvoice", "url": "https://marketinvoice.co.uk/providers/novuna/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "ExpertSure best invoice factoring companies", "url": "https://www.expertsure.com/uk/business-finance/best-invoice-factoring-companies/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Capitalise invoice finance providers", "url": "https://capitalise.com/gb/insights/payments/7-top-invoice-finance-providers", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Aldermore Invoice Finance", "url": "https://www.aldermore.co.uk/business-finance/invoice-finance/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Ultimate Finance invoice finance", "url": "https://www.ultimatefinance.co.uk/invoice-finance/", "retrieved_at": "2026-09-11", "reason": "read in full and no accepted figure on the page" }, { "source": "Reil Capital construction invoice factoring", "url": "https://reilcap.com/invoice-factoring/construction-invoice-factoring/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "RT Financial Group construction factoring", "url": "https://rtfinancialgroup.com/a-complete-guide-to-understanding-construction-invoice-factoring/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Resolve factoring for construction companies", "url": "https://resolvepay.com/blog/post/factoring-construction-companies", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Byzfunder invoice factoring for contractors", "url": "https://byzfunder.com/resources/construction/invoice-factoring-for-contractors", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" }, { "source": "Porter Freight Funding factoring", "url": "https://www.porterfreightfunding.com/factoring/", "retrieved_at": "2026-09-11", "reason": "read in full and no accepted figure on the page" }, { "source": "altline.sobanco.com", "url": "https://altline.sobanco.com/average-trucking-invoice-factoring-rates/", "retrieved_at": "2026-09-11", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://www.nibusinessinfo.co.uk/content/cost-factoring-and-invoice-discounting", "label": "nibusinessinfo: the cost of factoring and invoice discounting", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fundingcircle.com/uk/resources/business-finance/invoice-factoring-costs/", "label": "Funding Circle invoice factoring costs", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://altline.sobanco.com/average-trucking-invoice-factoring-rates/", "label": "altLINE trucking invoice factoring rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking", "label": "MJN Services factoring for trucking", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.clearfactorsolutions.com/blog-posts/freight-factoring-rates", "label": "Clear Factor Solutions freight factoring rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://tmanagementgroup.com/freight-factoring-rates-explained/", "label": "T Management Group freight factoring rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://freightfactoringusa.com/freight-factoring-rates-benchmark-2026/", "label": "Freight Factoring USA rate benchmark", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://bestinvoicefinance.co.uk/news/invoice-factoring-cost-explained-fees-charges-hidden-costs-in-the-uk/", "label": "Best Invoice Finance cost guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://invoicewise.co.uk/blog/how-much-invoice-factoring/", "label": "InvoiceWise factoring cost guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.novuna.co.uk/business-cash-flow/invoice-factoring/", "label": "Novuna Business Cash Flow invoice factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bankersfactoring.com/factoring-rates-explained/", "label": "Bankers Factoring rates explained", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/", "label": "altLINE invoice factoring rates explained", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.expertsure.com/uk/business-finance/invoice-finance-rates/", "label": "ExpertSure invoice finance rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://fundingfred.com/blog/invoice-factoring-for-uk-businesses-bank-branded-facilities-vs-specialist", "label": "Funding Fred bank versus specialist invoice factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://comparedbusiness.com/uk/blog/invoice-finance/invoice-factoring-rates/", "label": "ComparedBusiness invoice factoring rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.closebrothers.com/invoice-finance", "label": "Close Brothers Invoice Finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://marketinvoice.co.uk/providers/novuna/", "label": "Novuna profile on MarketInvoice", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.expertsure.com/uk/business-finance/best-invoice-factoring-companies/", "label": "ExpertSure best invoice factoring companies", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://capitalise.com/gb/insights/payments/7-top-invoice-finance-providers", "label": "Capitalise invoice finance providers", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aldermore.co.uk/business-finance/invoice-finance/", "label": "Aldermore Invoice Finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.ultimatefinance.co.uk/invoice-finance/", "label": "Ultimate Finance invoice finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://reilcap.com/invoice-factoring/construction-invoice-factoring/", "label": "Reil Capital construction invoice factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://factoringexpress.com/construction-factoring/", "label": "Factoring Express construction factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://rtfinancialgroup.com/a-complete-guide-to-understanding-construction-invoice-factoring/", "label": "RT Financial Group construction factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://resolvepay.com/blog/post/factoring-construction-companies", "label": "Resolve factoring for construction companies", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://byzfunder.com/resources/construction/invoice-factoring-for-contractors", "label": "Byzfunder invoice factoring for contractors", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.porterfreightfunding.com/factoring/", "label": "Porter Freight Funding factoring", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://altline.sobanco.com/average-trucking-invoice-factoring-rates/", "label": "altline.sobanco.com", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 4 of the 28 named sources that could be read published a usable figure; 24 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 200 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the published service fee (as a percent of turnover or of invoice value), the discount rate (as a margin over base rate), and the advance percentage, per provider, per sector - and the all-in cost of a worked GBP 100,000 ledger computed identically across every provider, which is the only way two quotes in this market are comparable at all, because each provider publishes a different one of the three numbers. Beside it, the share of providers publishing any rate: whole-ledger factoring is negotiated and mostly unpublished, while freight and construction factoring publishes openly, and that split is itself the finding.", "embed": "

1.50 percent

median published figure, Receivables Finance Rate Index, across 4 sources, read 11 September 2026

Source: ReceivableLedger Receivables Finance Rate Index
" }