Two things move your factoring rate more than anything else: how much you factor each month, and how big your average invoice is. Here's what each one is worth — and a calculator that finds your tier, your true all-in rate, and the volume that earns the next discount.
Factoring rates fall as monthly volume rises — from 3.5–5% under $10k/mo to 1.5–2.5% above $150k/mo. And because fixed ACH fees don't shrink, a 3% quote is ~5.4% all-in on a $500 invoice but ~3.2% on a $5,000 one. Bigger loads and higher volume both factor cheaper.
Volume tiers modeled from published 2026 recourse-rate ranges (Porter, OTR Solutions, altLINE, FreightWaves). All-in rate = (fee + flat ACH fee) ÷ invoice; effective APR = all-in rate × 365 ÷ days-to-pay. Updated June 2026.
Enter your average invoice, how many you factor a month, your quoted fee, and any per-invoice ACH/wire fee. This finds your monthly-volume tier and whether your quote is fair for it, your true all-in rate once the fixed fee is folded in, and how much more monthly volume would reach the next discount tier. Assumptions: recourse pricing; all-in rate = (fee% × invoice + ACH fee) ÷ invoice; effective APR = all-in rate × 365 ÷ days-to-pay.
All-in rate = (fee% × invoice + ACH fee) ÷ invoice — the fixed ACH fee is why small invoices cost more. Effective APR = all-in rate × 365 ÷ days-to-pay. Volume tiers are modeled from published 2026 recourse ranges; your real quote also depends on broker credit, recourse vs non-recourse, and contract terms. For reserve, monthly minimums, and annual cost, use the freight factoring true-cost calculator.
Volume is the biggest single lever on your percentage rate. Factors have fixed costs to underwrite you, run broker-credit checks, and collect — so the more invoices you push through, the lower the rate they'll quote. This benchmark is modeled from published 2026 recourse ranges; the effective-APR column annualizes the band midpoint at a 40-day broker payment.
| Monthly factored volume | Typical fee / invoice | ≈ Effective APR (40-day) | What's happening at this tier |
|---|---|---|---|
| Under $10k/mo — spot / very small | 3.5–5.0% | ~38.8% | Highest band; monthly minimums bite hardest here |
| $10k–$30k/mo | 3.0–4.0% | ~31.9% | Standard new / small owner-operator band |
| $30k–$75k/mo | 2.5–3.5% | ~27.4% | Volume discount starts to kick in |
| $75k–$150k/mo | 2.0–3.0% | ~22.8% | Real negotiating leverage; ask for a review |
| $150k+/mo — small fleet | 1.5–2.5% | ~18.3% | Best rates; non-recourse often available |
Modeled, not company-quoted. APR shown = band midpoint × 365 ÷ 40. Non-recourse adds ~0.5–1.5%; a brand-new MC pays toward the top of its band (see factoring for new authority). Higher volume, larger invoices, and well-rated brokers all push you toward the bottom of the band.
Here's the part most rate guides skip. Your factor quotes a percentage, but they also charge fixed dollar fees — an ACH or wire fee of $10–$15 per invoice, sometimes a $1–$5 processing fee. Fixed fees don't shrink with the invoice, so on a small load they balloon your real rate. Same "3% plus a $12 ACH fee," across invoice sizes, at a 40-day payment:
| Average invoice | Flat fee as % of invoice | All-in effective rate | ≈ Effective APR |
|---|---|---|---|
| $500 (LTL / partial) | 2.40% | 5.40% | 49.3% |
| $1,000 | 1.20% | 4.20% | 38.3% |
| $1,500 | 0.80% | 3.80% | 34.7% |
| $2,200 (typical van load) | 0.55% | 3.55% | 32.4% |
| $3,000 | 0.40% | 3.40% | 31.0% |
| $5,000 (long haul / reefer) | 0.24% | 3.24% | 29.6% |
All-in rate = 3.0% + ($12 ÷ invoice). APR = all-in rate × 365 ÷ 40. The headline fee is identical in every row — only the invoice size changes. If you haul a lot of small or partial loads, a factor with a low or zero per-invoice fee can beat one with a lower headline percentage.
Factoring has real fixed costs per relationship, not per dollar: onboarding and verifying you, pulling and monitoring broker credit, chasing slow-paying brokers, and the compliance overhead of buying your invoices. Those costs are roughly the same whether you factor $8k or $80k a month — so spreading them over more volume lets the factor charge a lower percentage and still make money. That's why the rate drops at predictable breakpoints (commonly around $30k, $75k, and $150k/mo), and why bundling all your trucks under one factoring agreement usually beats factoring each truck separately.
It also means the lever you control is concentration: pushing more of your freight through one factor — rather than splitting it or factoring only some loads — is often what moves you into the next tier. The calculator above shows how far that is for you.
Then check the rest of your numbers: your true cost with reserve and minimums in the factoring true-cost calculator, the full effective-APR picture in the 2026 Freight Factoring Rate Index, and — if you've just got your authority — factoring for new authority. See how the fee lands in your pocket with the take-home pay and break-even rate tools.
Estimates and modeled benchmarks for planning only — not financial advice, and not a quote. Confirm exact terms with the factor. Last updated June 2026. Built by TruckMargin.
Your quoted percentage is usually the same, but your all-in rate isn't — fixed per-invoice fees (a $10–$15 ACH charge) are a much bigger share of a small invoice. A flat 3% plus a $12 ACH fee is about 5.4% all-in on a $500 invoice but only ~3.2% on a $5,000 one. Bigger loads effectively factor cheaper at the same headline rate.
Volume is the biggest lever on your percentage. Modeled from 2026 recourse ranges: under $10k/mo ≈ 3.5–5%, $10k–$30k ≈ 3–4%, $30k–$75k ≈ 2.5–3.5%, $75k–$150k ≈ 2–3%, and $150k+ ≈ 1.5–2.5%. Factors discount because their fixed costs spread over more invoices.
Rough recourse benchmark: new owner-op ($15–25k/mo) ≈ 3–4%; established solo ($30–50k/mo) ≈ 2.5–3.5%; small fleet ($75–150k/mo) ≈ 2–3%. If you're above the top of your band with no hidden-fee reason, ask for a review or get competing quotes. Non-recourse adds ~0.5–1.5%.
The fixed fees don't shrink with the invoice. A $10–$15 ACH/wire fee, a $1–$5 processing fee, and any monthly minimum are flat dollars, so on a $500–$1,000 partial they can add 1–3% to your effective rate. If you run lots of small invoices, low or no per-invoice fees matter more than a slightly lower percentage.
2026 discount tiers commonly step down around $30k, $75k, and $150k of monthly factored volume. At $35k/mo you're early in the $30–75k tier; reaching the $75–150k tier (≈2–3%) takes about $40k more per month. The calculator above shows your exact distance to the next breakpoint.
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