# 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 · https://receivableledger.com/datasets/receivables-finance-rate-index/ · computed 2026-10-05

**Median published figure:** 1.5 % (range 0.5 to 1.99 %; 4 sources with a figure; 4 of 28 sources read publish one).

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.

| Source | Figure | Read |
|---|---|---|
| [Factoring Express construction factoring](https://factoringexpress.com/construction-factoring/) | 1.99 % | 2026-09-11 |
| [MJN Services factoring for trucking](https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking) | 1.5 % | 2026-09-11 |
| [Bankers Factoring rates explained](https://www.bankersfactoring.com/factoring-rates-explained/) | 1.5 % | 2026-09-11 |
| [Novuna Business Cash Flow invoice factoring](https://www.novuna.co.uk/business-cash-flow/invoice-factoring/) | 0.5 % | 2026-09-11 |

## The sentence each figure was read from (4)

- [Factoring Express construction factoring](https://factoringexpress.com/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](https://www.mjnservices.com/blog/is-factoring-worth-it-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](https://www.bankersfactoring.com/factoring-rates-explained/), read 2026-09-11: "Factor Fee 1.65% 1.5%"
- [Novuna Business Cash Flow invoice factoring](https://www.novuna.co.uk/business-cash-flow/invoice-factoring/), read 2026-09-11: "Rates from 0.5%"

## Read in full, publishes no figure

- [nibusinessinfo: the cost of factoring and invoice discounting](https://www.nibusinessinfo.co.uk/content/cost-factoring-and-invoice-discounting), read 2026-09-11: every candidate on the page was refused
- [Funding Circle invoice factoring costs](https://www.fundingcircle.com/uk/resources/business-finance/invoice-factoring-costs/), read 2026-09-11: every candidate on the page was refused
- [altLINE trucking invoice factoring rates](https://altline.sobanco.com/average-trucking-invoice-factoring-rates/), read 2026-09-11: every candidate on the page was refused
- [Clear Factor Solutions freight factoring rates](https://www.clearfactorsolutions.com/blog-posts/freight-factoring-rates), read 2026-09-11: every candidate on the page was refused
- [T Management Group freight factoring rates](https://tmanagementgroup.com/freight-factoring-rates-explained/), read 2026-09-11: every candidate on the page was refused
- [Freight Factoring USA rate benchmark](https://freightfactoringusa.com/freight-factoring-rates-benchmark-2026/), read 2026-09-11: every candidate on the page was refused
- [Best Invoice Finance cost guide](https://bestinvoicefinance.co.uk/news/invoice-factoring-cost-explained-fees-charges-hidden-costs-in-the-uk/), read 2026-09-11: every candidate on the page was refused
- [InvoiceWise factoring cost guide](https://invoicewise.co.uk/blog/how-much-invoice-factoring/), read 2026-09-11: every candidate on the page was refused
- [altLINE invoice factoring rates explained](https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/), read 2026-09-11: every candidate on the page was refused
- [ExpertSure invoice finance rates](https://www.expertsure.com/uk/business-finance/invoice-finance-rates/), read 2026-09-11: every candidate on the page was refused
- [Funding Fred bank versus specialist invoice factoring](https://fundingfred.com/blog/invoice-factoring-for-uk-businesses-bank-branded-facilities-vs-specialist), read 2026-09-11: every candidate on the page was refused
- [ComparedBusiness invoice factoring rates](https://comparedbusiness.com/uk/blog/invoice-finance/invoice-factoring-rates/), read 2026-09-11: every candidate on the page was refused
- [Close Brothers Invoice Finance](https://www.closebrothers.com/invoice-finance), read 2026-09-11: read in full and no accepted figure on the page
- [Novuna profile on MarketInvoice](https://marketinvoice.co.uk/providers/novuna/), read 2026-09-11: every candidate on the page was refused
- [ExpertSure best invoice factoring companies](https://www.expertsure.com/uk/business-finance/best-invoice-factoring-companies/), read 2026-09-11: every candidate on the page was refused
- [Capitalise invoice finance providers](https://capitalise.com/gb/insights/payments/7-top-invoice-finance-providers), read 2026-09-11: every candidate on the page was refused
- [Aldermore Invoice Finance](https://www.aldermore.co.uk/business-finance/invoice-finance/), read 2026-09-11: every candidate on the page was refused
- [Ultimate Finance invoice finance](https://www.ultimatefinance.co.uk/invoice-finance/), read 2026-09-11: read in full and no accepted figure on the page
- [Reil Capital construction invoice factoring](https://reilcap.com/invoice-factoring/construction-invoice-factoring/), read 2026-09-11: every candidate on the page was refused
- [RT Financial Group construction factoring](https://rtfinancialgroup.com/a-complete-guide-to-understanding-construction-invoice-factoring/), read 2026-09-11: every candidate on the page was refused
- [Resolve factoring for construction companies](https://resolvepay.com/blog/post/factoring-construction-companies), read 2026-09-11: every candidate on the page was refused
- [Byzfunder invoice factoring for contractors](https://byzfunder.com/resources/construction/invoice-factoring-for-contractors), read 2026-09-11: every candidate on the page was refused
- [Porter Freight Funding factoring](https://www.porterfreightfunding.com/factoring/), read 2026-09-11: read in full and no accepted figure on the page
- [altline.sobanco.com](https://altline.sobanco.com/average-trucking-invoice-factoring-rates/), 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.

## Sources

- [nibusinessinfo: the cost of factoring and invoice discounting](https://www.nibusinessinfo.co.uk/content/cost-factoring-and-invoice-discounting) (the publisher's own terms; quoted for reporting and comment)
- [Funding Circle invoice factoring costs](https://www.fundingcircle.com/uk/resources/business-finance/invoice-factoring-costs/) (the publisher's own terms; quoted for reporting and comment)
- [altLINE trucking invoice factoring rates](https://altline.sobanco.com/average-trucking-invoice-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [MJN Services factoring for trucking](https://www.mjnservices.com/blog/is-factoring-worth-it-for-trucking) (the publisher's own terms; quoted for reporting and comment)
- [Clear Factor Solutions freight factoring rates](https://www.clearfactorsolutions.com/blog-posts/freight-factoring-rates) (the publisher's own terms; quoted for reporting and comment)
- [T Management Group freight factoring rates](https://tmanagementgroup.com/freight-factoring-rates-explained/) (the publisher's own terms; quoted for reporting and comment)
- [Freight Factoring USA rate benchmark](https://freightfactoringusa.com/freight-factoring-rates-benchmark-2026/) (the publisher's own terms; quoted for reporting and comment)
- [Best Invoice Finance cost guide](https://bestinvoicefinance.co.uk/news/invoice-factoring-cost-explained-fees-charges-hidden-costs-in-the-uk/) (the publisher's own terms; quoted for reporting and comment)
- [InvoiceWise factoring cost guide](https://invoicewise.co.uk/blog/how-much-invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Novuna Business Cash Flow invoice factoring](https://www.novuna.co.uk/business-cash-flow/invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Bankers Factoring rates explained](https://www.bankersfactoring.com/factoring-rates-explained/) (the publisher's own terms; quoted for reporting and comment)
- [altLINE invoice factoring rates explained](https://altline.sobanco.com/invoice-factoring/invoice-factoring-rates-explained/) (the publisher's own terms; quoted for reporting and comment)
- [ExpertSure invoice finance rates](https://www.expertsure.com/uk/business-finance/invoice-finance-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Funding Fred bank versus specialist invoice factoring](https://fundingfred.com/blog/invoice-factoring-for-uk-businesses-bank-branded-facilities-vs-specialist) (the publisher's own terms; quoted for reporting and comment)
- [ComparedBusiness invoice factoring rates](https://comparedbusiness.com/uk/blog/invoice-finance/invoice-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Close Brothers Invoice Finance](https://www.closebrothers.com/invoice-finance) (the publisher's own terms; quoted for reporting and comment)
- [Novuna profile on MarketInvoice](https://marketinvoice.co.uk/providers/novuna/) (the publisher's own terms; quoted for reporting and comment)
- [ExpertSure best invoice factoring companies](https://www.expertsure.com/uk/business-finance/best-invoice-factoring-companies/) (the publisher's own terms; quoted for reporting and comment)
- [Capitalise invoice finance providers](https://capitalise.com/gb/insights/payments/7-top-invoice-finance-providers) (the publisher's own terms; quoted for reporting and comment)
- [Aldermore Invoice Finance](https://www.aldermore.co.uk/business-finance/invoice-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Ultimate Finance invoice finance](https://www.ultimatefinance.co.uk/invoice-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Reil Capital construction invoice factoring](https://reilcap.com/invoice-factoring/construction-invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Factoring Express construction factoring](https://factoringexpress.com/construction-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [RT Financial Group construction factoring](https://rtfinancialgroup.com/a-complete-guide-to-understanding-construction-invoice-factoring/) (the publisher's own terms; quoted for reporting and comment)
- [Resolve factoring for construction companies](https://resolvepay.com/blog/post/factoring-construction-companies) (the publisher's own terms; quoted for reporting and comment)
- [Byzfunder invoice factoring for contractors](https://byzfunder.com/resources/construction/invoice-factoring-for-contractors) (the publisher's own terms; quoted for reporting and comment)
- [Porter Freight Funding factoring](https://www.porterfreightfunding.com/factoring/) (the publisher's own terms; quoted for reporting and comment)
- [altline.sobanco.com](https://altline.sobanco.com/average-trucking-invoice-factoring-rates/) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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/.

CSV: https://receivableledger.com/datasets/receivables-finance-rate-index.csv
JSON: https://receivableledger.com/datasets/receivables-finance-rate-index.json
Embed (plain HTML, static link back): see https://receivableledger.com/datasets/receivables-finance-rate-index/#median