Paste in or upload your factoring agreement and get an instant, plain-English breakdown of your rate, fees, and fine print — so you know exactly what you signed up for.
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This analysis is generated automatically for informational purposes only and is not legal or financial advice. Have an attorney review any contract before making decisions. We don't store what you paste or upload here — it's used once, for this summary, and discarded.
Your contract breakdown will appear here — advance rate, fees, reserve holdback, renewal terms, and where you might be able to negotiate.
Advance rate
How much of each invoice you get up front — the rest is a reserve, held back until your customer pays.
Discount / factor fee
What the factor charges, and whether it climbs the longer an invoice sits unpaid.
Contract term & auto-renewal
How long you're locked in, and whether the contract silently renews if you don't cancel in time.
Early termination fee
What it costs to leave before the term is up — sometimes a flat fee, sometimes a percentage of expected volume.
Lien scope (UCC filing)
Whether the factor's lien covers just your receivables, or all of your business assets.
Personal guaranty
Whether you personally, not just the business, are on the hook if something goes wrong.
Want a second opinion, or a better deal?
If the checker flags room to negotiate, we can go back to your current factor on your behalf — or match you with one that's a better fit. No cost to you either way.