Invoice discounting: Receivables Finance Rate Index
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.
ReceivableLedger sells its own paid plan in this category (our pricing). It is not counted here: every figure in this index is another provider's own published price, read from its own page.
4 of the 28 named sources read in full publish a figure; 24 publish none, read 11 September 2026.
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Read |
|---|---|---|
| Factoring Express construction factoring | 1.99% | 2026-09-11 |
| MJN Services factoring for trucking | 1.5% | 2026-09-11 |
| Bankers Factoring rates explained | 1.5% | 2026-09-11 |
| Novuna Business Cash Flow invoice factoring | 0.5% | 2026-09-11 |
The sentence each figure was read from (4)
- Factoring Express construction factoring, read 2026-09-11:
Typical construction factoring rates at Factoring Express ranges from 1.99% to 5%, depending on:
- MJN Services factoring for trucking, read 2026-09-11:
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.
- Bankers Factoring rates explained, read 2026-09-11:
Factor Fee 1.65% 1.5%
- Novuna Business Cash Flow invoice factoring, read 2026-09-11:
Rates from 0.5%
Read in full, publishes no figure
24 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- nibusinessinfo: the cost of factoring and invoice discounting, read 2026-09-11: every candidate on the page was refused
- Funding Circle invoice factoring costs, read 2026-09-11: every candidate on the page was refused
- altLINE trucking invoice factoring rates, read 2026-09-11: every candidate on the page was refused
- Clear Factor Solutions freight factoring rates, read 2026-09-11: every candidate on the page was refused
- T Management Group freight factoring rates, read 2026-09-11: every candidate on the page was refused
- Freight Factoring USA rate benchmark, read 2026-09-11: every candidate on the page was refused
- Best Invoice Finance cost guide, read 2026-09-11: every candidate on the page was refused
- InvoiceWise factoring cost guide, read 2026-09-11: every candidate on the page was refused
- altLINE invoice factoring rates explained, read 2026-09-11: every candidate on the page was refused
- ExpertSure invoice finance rates, read 2026-09-11: every candidate on the page was refused
- Funding Fred bank versus specialist invoice factoring, read 2026-09-11: every candidate on the page was refused
- ComparedBusiness invoice factoring rates, read 2026-09-11: every candidate on the page was refused
- Close Brothers Invoice Finance, read 2026-09-11: read in full and no accepted figure on the page
- Novuna profile on MarketInvoice, read 2026-09-11: every candidate on the page was refused
- ExpertSure best invoice factoring companies, read 2026-09-11: every candidate on the page was refused
- Capitalise invoice finance providers, read 2026-09-11: every candidate on the page was refused
- Aldermore Invoice Finance, read 2026-09-11: every candidate on the page was refused
- Ultimate Finance invoice finance, read 2026-09-11: read in full and no accepted figure on the page
- Reil Capital construction invoice factoring, read 2026-09-11: every candidate on the page was refused
- RT Financial Group construction factoring, read 2026-09-11: every candidate on the page was refused
- Resolve factoring for construction companies, read 2026-09-11: every candidate on the page was refused
- Byzfunder invoice factoring for contractors, read 2026-09-11: every candidate on the page was refused
- Porter Freight Funding factoring, read 2026-09-11: read in full and no accepted figure on the page
- altline.sobanco.com, read 2026-09-11: every candidate on the page was refused
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.
200 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (28)
- nibusinessinfo: the cost of factoring and invoice discounting(the publisher's own terms; quoted for reporting and comment)
- Funding Circle invoice factoring costs(the publisher's own terms; quoted for reporting and comment)
- altLINE trucking invoice factoring rates(the publisher's own terms; quoted for reporting and comment)
- MJN Services factoring for trucking(the publisher's own terms; quoted for reporting and comment)
- Clear Factor Solutions freight factoring rates(the publisher's own terms; quoted for reporting and comment)
- T Management Group freight factoring rates(the publisher's own terms; quoted for reporting and comment)
- Freight Factoring USA rate benchmark(the publisher's own terms; quoted for reporting and comment)
- Best Invoice Finance cost guide(the publisher's own terms; quoted for reporting and comment)
- InvoiceWise factoring cost guide(the publisher's own terms; quoted for reporting and comment)
- Novuna Business Cash Flow invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Bankers Factoring rates explained(the publisher's own terms; quoted for reporting and comment)
- altLINE invoice factoring rates explained(the publisher's own terms; quoted for reporting and comment)
- ExpertSure invoice finance rates(the publisher's own terms; quoted for reporting and comment)
- Funding Fred bank versus specialist invoice factoring(the publisher's own terms; quoted for reporting and comment)
- ComparedBusiness invoice factoring rates(the publisher's own terms; quoted for reporting and comment)
- Close Brothers Invoice Finance(the publisher's own terms; quoted for reporting and comment)
- Novuna profile on MarketInvoice(the publisher's own terms; quoted for reporting and comment)
- ExpertSure best invoice factoring companies(the publisher's own terms; quoted for reporting and comment)
- Capitalise invoice finance providers(the publisher's own terms; quoted for reporting and comment)
- Aldermore Invoice Finance(the publisher's own terms; quoted for reporting and comment)
- Ultimate Finance invoice finance(the publisher's own terms; quoted for reporting and comment)
- Reil Capital construction invoice factoring(the publisher's own terms; quoted for reporting and comment)
- Factoring Express construction factoring(the publisher's own terms; quoted for reporting and comment)
- RT Financial Group construction factoring(the publisher's own terms; quoted for reporting and comment)
- Resolve factoring for construction companies(the publisher's own terms; quoted for reporting and comment)
- Byzfunder invoice factoring for contractors(the publisher's own terms; quoted for reporting and comment)
- Porter Freight Funding factoring(the publisher's own terms; quoted for reporting and comment)
- altline.sobanco.com(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
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.
Cite as: "ReceivableLedger Receivables Finance Rate Index", updated 2026-10-05, https://receivableledger.com/datasets/receivables-finance-rate-index/.
Download the CSV (4 rows, computed 2026-10-05)