Pricing
Transparent. Modular. No surprises.
With Finqle, you only pay for what you use. No setup fees, no minimum revenue and no long-term contracts.
What does it cost?
Total for instant payment (30 days): from 1.35% per invoice
Paid today
Depends on your payment timing
Factor fee
From 0.02% per financed day
Accounts receivable management
Required when combined with instant payment
Service fee
0.25% per invoice
Credit insurance
Combined with accounts receivable management
Risk fee
0.50% per invoice
Smart invoicing
AI document processing
Platform fee
Included
Credit checks & monitoring
Real-time monitoring
Per check
Included with an active account
Factoring pricing is often opaque: rates vary by provider and hidden costs are common: setup and acceptance fees, surcharges, or minimum-turnover requirements. With Finqle you only pay for what you use. Transparent, with no surprises afterwards.
Source: publicly listed rates from Dutch factoring providers, 2025–2026
Finqle versus the alternatives
Finqle
Bank loan
Credit line
Traditional factoring
Cost for 30 days
0,75%
3–8% p.a.
5–15% p.a.
1–3%
Setup fees
None
High
High
Variable
Accounts receivable management
Included
No
No
Basic
Credit insurance
Included
No
No
Sometimes
Speed
Minutes
Weeks
Weeks
Days
Debt on balance sheet
No
Yes
Yes
No
High
Low
Low
Low
Customers
Prorences x Finqle
Saves half an FTE
"Partnering with Finqle has significantly streamlined our financial processes, saving time and optimizing cash flow. It's reassuring to have a reliable financial partner who understands our sector."
Lesley van Haren
Director Prorences
Showpony X Finqle
Saves 1–2 FTEs
“With Finqle, we can save 1-2 FTEs per month on administrative tasks.”
Gino Louman
Co-Founder Showpony