Canady Investments

What does factoring really cost?

Invoice factoring looks cheap by the fee and steep by the APR. See the real annualized cost.

Invoice amount

Advance rate

Factor fee (per 30 days)

Days until paid

days

Example — $100k invoice, 85% advance, 2.5%/30-day fee, paid in 45 days. Illustrative only, and not a quote. Advance rates across the desks in our own lender book run about 80%-95%. The fee is charged in whole 30-day periods, so an invoice paid on day 31 costs two periods and not one. Judge any offer on the effective APR rather than the headline fee, and change the figures above to match terms you have actually been offered.

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Educational and business-purpose only. Not a loan offer, a commitment, or a guarantee of funding or terms. Canady Investments is a broker to a network of capital providers; actual terms depend on the lender.

Canady Investments is a private capital office. We arrange business-purpose financing and coordinate the licensed professionals in your corner. We are not a registered investment adviser, broker-dealer, or law or accounting firm; legal, tax, and investment advice is provided only by licensed professionals. We also license our software platform to business clients on a subscription basis; the platform is provided "as is," and licensing it does not make Canady a party to any client's transactions. For business principals and accredited investors. This is a request for information — not an offer, an application, or a commitment of any kind. © 2026 Canady Investments.