What affects the cost of invoice purchasing? A complete guide for businesses in 2026

More and more companies are choosing to sell invoices to get quick liquidity and avoid long payment times. One of the most common questions we at Finans Partner get is: How much does invoice purchasing cost?

In this guide, we go over exactly what affects the cost of invoice purchasing, how pricing works, and what companies can do to get better terms.

What is the cost of selling an invoice?

When a company uses invoice purchasing, it pays a percentage fee based on:

the amount of the invoices
customers' creditworthiness
payment term
volume and frequency
industry

The cost of invoice purchases is usually between 1.5–4% of the invoice amount.

factors that control the price of invoice purchases

Customer creditworthiness
The more stable your customer base is, the lower the risk – and thus the lower the price.
Invoices to large companies and municipalities are often cheaper to sell.

Payment terms
30 days costs less than 90 days.
Longer credit periods mean higher risk and higher cost.

Invoice size and industry
Larger invoices often give a better price per percentage.
Small invoices may have a minimum cost.

Volume and continuity
Companies that sell invoices regularly almost always get better terms than those that make one-off purchases.

How can companies reduce the cost of invoice purchasing?
Sell invoices to customers with strong credit, this directly results in lower fees.

Negotiate volume-based prices
The more invoices you sell, the better the terms.

When is it profitable to sell invoices?
Invoice purchasing is particularly cost-effective when you:

need the money quickly
want to avoid bank loans
wants to reduce the risk of customer losses
has long payment times from customers

For many companies, the cost of invoice purchasing is small compared to the value of quick liquidity and reduced administration.

Do you want to know what invoice purchasing would cost for your company?
We help you find the most cost-effective solution – quickly, transparently and without commitment.