Invoice Finance Calculators
See what your cash flow could do
Designed for busy company owners and financial decision-makers, our free calculators make invoice finance easy to picture. See your cash at bank grow month by month, discover how much working capital you could unlock, and explore the options that fit your business — a simple, positive way to put your cash flow to work for growth.
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Includes 4 scenarios & create your own
12-Month Invoice Finance Cash Flow Impact
A full 12-month forecast comparing cash flow with and without an invoice finance facility — total cash collected, additional cash unlocked, facility cost, effective margin, and a month-by-month bank balance projection.
A full 12-month forecast of your cash at bank, with and without invoice finance
Three ready-made scenarios — growth, start-up and seasonal businesses — or run your own numbers
See the true facility cost, margin impact and the extra cash unlocked, month by month
Open Forecasting Tool
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Invoice Finance vs Overdraft
Compare available funding and projected cost of an Invoice Finance facility against a typical overdraft.
See how much funding invoice finance unlocks from your ledger versus a fixed overdraft limit
Side-by-side projected costs of each option, from your own numbers
Understand why funding that grows with your sales beats a fixed limit
Open calculator
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Includes scenarios & create your own
Loan vs Invoice Finance
A 12-month, three-way comparison of your cash position: no extra funding, a fixed term loan, and an invoice finance facility — including loan repayments, interest, the balance still owed at year end, and the cash advantage of funding that scales with your sales.
A 12-month, three-way comparison: no extra funding, a fixed term loan, and invoice finance
Models the loan in full — monthly repayments, interest, and the balance still owed at year end
Includes our "Fixed Loan Ceiling" scenario for uneven revenue, or run your own numbers
Open calculator
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Scenario Comparison — Two Invoice Finance Facilities
Compare two invoice finance facility offers side-by-side: cost, effective margin, additional cash unlocked, and net benefit per month.
Put two facility offers side by side — advance rate, service fee, discount rate and all charges
Compare additional cash unlocked, effective margin and net monthly benefit for each offer
Spot the genuinely better deal, not just the cheaper headline rate
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Success Stories & Ambitions Realised
Meet the Founder
Open InVoice Finance is led by John Dodsworth, who brings 25+ years of invoice finance expertise to connect businesses with the ideal funders and facilities.
- 020 3701 3806
- success@openinvoicefinance.co.uk
Proudly Commended at the Business Moneyfacts Awards 2026 and shortlisted for Invoice Finance Broker of the Year 2025 (NACFB)
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Deep Sector Insights
“What set John apart was his ability to integrate deep sector insights with our M&A strategy and present them in a form that would resonate with lenders.”
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Expert Negotiation
“John presented us with several alternative options, guiding us towards the best choice of funder for our needs and negotiating expertly on our behalf.”
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Extensive Knowledge
“John Dodsworth’s extensive knowledge, thorough preparation and personal touch were invaluable in helping us find the right long-term funding partner.”
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Personal Touch
“John’s personal touch and commitment made all the difference to getting the deal done, and I wouldn’t hesitate to recommend Open InVoice Finance.”
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Efficiency and Clarity
"John’s efficiency and clarity, combined with our financial insights, really helped us work together effectively to support Supreme Freight’s growth."
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Complete Trust
“I can trust John completely to consider all the technical details, knowing that he will match the lender to the facility with precision.”