Pricing | Xfund Invoice Factoring — Transparent Rates, No Hidden Fees

For invoice volumes up to $500,000

1%–2.5%per 30 days*

Up to 90% advanced the same day
One flat, transparent factoring fee
No setup fees or monthly minimums

For invoice volumes above $500,000

Customvolume-based pricing

Preferred rates for high volumes
Dedicated senior account manager
Tailored terms for your industry

*Based on your company's and your customers' eligibility. Your exact rate is confirmed up front in your factoring agreement — before you fund anything.

The Xfund difference

Factoring, reimagined to get you paid effortlessly

Get the benefits of early invoice payments and stay in control of your cash flow — with flexible funding and zero surprises.

	Xfund	Traditional factoring
Online application & client portal	✓	✕
No hidden fees	✓	✕
Choose which invoices to fund	✓	✕
Up to 90% advanced same day	✓	✕
No monthly minimums or lock-in contracts	✓	✕
A/R collections support	✓	✓
Dedicated account manager	✓	✕

Ready to get paid early?

Simple, honest pricing

Factoring that just makes sense

No hidden fees

Forget the bait-and-switch. Some factors promote low rates, then stack on admin, wire and renewal charges. With Xfund, what you see is what you pay — confirmed before you fund.

Flexible funding

Fund only the customers and invoices you want, with no obligation to factor your whole ledger. Keep control and save money by funding what you need, when you need it.

Funding that grows with you

Your limit isn't a fixed credit line — it grows with your receivables. The more eligible invoices you generate, the more funding you can access. No tiers, no caps, no re-applying.

Same-day advances

Put your money to work immediately. Approved invoices submitted before cut-off are funded the same business day, with your reserve released as soon as your customer pays.

Think outside the bank

More speed, more transparency, more value

Banks aren't your only option. Xfund gives you faster access to capital with full transparency — and it's not a loan, so there's no debt on your balance sheet.

	Xfund	Banks
Funding speed	Hours	Weeks
Approval time	1–2 business days	Weeks to months
Funding limit	Grows with your receivables	Fixed, credit-dependent
Hidden fees	None	Underwriting, review & renewal fees
Debt on your balance sheet	None — it's your money, earlier	Yes, it's a loan
A/R collections support	✓	✕

Pricing questions

Let's talk numbers

Is factoring more expensive than a loan? +

On paper a factoring fee can look higher than a bank's interest rate — but the comparison misses the point. Factoring gets you up to 90% of your money in hours, not months, with one flat fee, no hidden charges and no debt added to your balance sheet. The speed regularly saves our clients more than the fee costs: they take on bigger jobs, buy at volume discounts, and never pay late fees or NSF charges again.

How is the fee actually charged? +

One simple factoring fee, quoted as a percentage of the invoice per 30 days it remains outstanding. You see the exact rate in your agreement before you fund anything. When your customer pays the invoice, we release your reserve minus that fee. No application fees, setup fees, monthly minimums or termination penalties.

What's a typical factoring rate? +

Most Xfund clients pay between 1% and 2.5% per 30 days, depending on their industry, invoice volume, and the creditworthiness of their customers. Higher volumes and stronger customers mean lower rates — and as your business grows with us, your rate can come down.

What are the basic requirements? +

You invoice other businesses (or governments) for completed work or delivered goods, and your customers are creditworthy. That's the core of it. Approvals are based on your customers' credit, not just yours — so newer companies and owners with imperfect credit are welcome.

Who do you typically work with? +

Trucking and transportation companies, staffing agencies, manufacturers, wholesalers and distributors across Canada and the U.S. — from owner-operators funding their first loads to established companies factoring six figures a month. If you invoice on terms and hate waiting to get paid, we're built for you.

Funding without the guesswork