You want cash this week on their net invoice. Here’s what you keep.

The bill is theirs. This week is a sale of that bill

In 2026 the invoice went out clean. Procurement still says net. Your rent does not. One path is to wait, or to ask them for a deposit before kickoff. Another path is to sell the receivable that already exists so a buyer of that invoice funds this week, and you keep a smaller number. That smaller number is the whole point of this card.

Keep = invoice you type × (1 − share you type). Cost = invoice × share. Two products from one face value. Nothing else is multiplied. There is no days-until-cash grid. There is no USD-per-unit. There is no card percent. The hourly floor you already built on the hub is still income, billable weeks, and a tax buffer you set. This page does not clone that slider and does not run a 50-state tax engine. Figures wear a USD sign so $5,000 × 0.03 is readable. If the hourly number is still a shrug, set it on how to set a freelance rate before you treat a haircut as covering the week.

Worked USD: $5,000 × 0.03 share → keep $4,850, cost $150

First preset: invoice $5,000. Share you type 0.03. Keep: 5,000 × (1 − 0.03) = $4,850. Cost: 5,000 × 0.03 = $150. That $4,850 is cash this week after the sale. That $150 is what the share took. The 0.03 is on the card so the arithmetic is visible. It is a digit you can replace. It is not a typical factor fee. It is not a mill this page published. It is not “everyone pays 3%.”

Second preset: same $5,000, you typed 0. Keep $5,000. Cost $0. Share 0 means you did not sell a slice. The full face value is still yours — on their net calendar, not in your account tonight. Zero is a number you typed, not a claim that any buyer of invoices works for free.

Third preset: same $5,000, you typed 0.08. Keep: 5,000 × 0.92 = $4,600. Cost $400. A larger share is a smaller keep. This page did not pick 0.08 as a market. You did.

You type the share. This page will not mill a 3% factor table

Blogs love a tidy “factors charge about 3%.” This card does not ship that table. No advance-rate mill. No reserve split. No “typical factor fee.” No 1%–5% corridor dressed up as research. The 0.03 in the worked example is a digit you can clear. Paste the share from the quote you actually have. If you do not have a quote yet, do not treat 0.03 as official. Get the number, then type it.

Share is a fraction of the face value: 0.03, not 3. Typing 3 would be 300% and this card will not play that game — the box is capped at 1 so keep cannot go negative from a percent-vs-fraction mix-up. Cost is always invoice × share. Keep is always invoice × (1 − share). That is the whole machine.

This card is not the other money cards

This is not three gates they still pay you. One quote split into three invoices — each gate = invoice × a share you type, leftover if the shares miss 1 — lives on the milestone gates card. Worked there: $5,000 × 0.30 / 0.40 / 0.30 = $1,500 / $2,000 / $1,500. 0.30 / 0.40 / 0.30 is a typed example, not a standard split. The client still pays you on that card. Here a buyer of the invoice pays you keep after a share. Two different people. Two different products.

This is not a wait. Cash this week from a deposit vs 100% in N days is the Net 30 vs deposit card. 30 is a worked example on that card, not an APR. The client still pays you there. Here the client is already net and you sell the invoice so this week is keep after a share. Two different products. If they have not issued the bill yet and you can still ask for a deposit, price the wait there. If the bill exists and you are selling it, price the haircut here. Two numbers if you need both stories.

This is not a chase. Hours you spend after the due date already passed, and a late-fee percent you already wrote into the quote, live on late-invoice follow-up. Nothing is overdue on this card. Selling a still-current net invoice is not a “7 days past due” email. If the date already lapsed, leave this card and write the follow-up. If you would rather sell the overdue paper than chase it, that is still this math — keep and cost — not a collections script.

This is not extra on a sitting invoice they still pay you. Extra = invoice you type × share you type on the late-fee card. Worked there: $5,000 × 0.015 = $75. Still owed $5,075. You type that 0.015 — not 1.5% per month, not Prompt Payment Act. There they still pay you, plus an extra. Here a buyer of the invoice pays you keep after a share. Same shape of share, opposite direction of money.

This is not FX. Units they send × a USD-per-unit you type is paid in another currency. Worked there: 5,000 × 1.08 = $5,400 before their processor. That product is what lands in dollars. This product is a share of a dollar invoice you already have. A net invoice denominated in EUR is still a conversion first, then a share of what landed. Do not drop a guessed pair into the share box and call it this sale.

This is not the processor. Card percent, ACH cap, domestic receive, USD wire, Instant Payout — that cut lives on Stripe vs Wise. Run a dollar amount first. Then subtract the rail. A factor’s share of face value is not 2.9% + 30¢. Do not paste a Stripe schedule into the share field. Two steps if the buyer of the invoice also pays you through a rail: this haircut, then that processor.

This is not a closet SKU. Marketplace listing fees, Depop processing, Etsy vs Amazon — those mills live under seller-fees. Do not clone a take-rate table onto a net invoice you sold. This is also not expense markup (a receipt they asked you to buy × (1 + a share)). Selling your own receivable is not a Getty PDF.

Not a loan. Not lending advice. Not a contract

Some people call this “financing.” This page will not. We will not annualize $150 on $5,000. We will not print an APR. We will not tell you to take or refuse a factor. Educational planning only — not lending advice, not legal advice, not tax advice, not collections. Confirm live terms in whatever agreement a buyer of invoices actually sends you, with counsel where you work, before you assign a receivable. Typing here does not sell the invoice and does not make net into cash this week.

USD labels on this page; currency picker and tax buffer stay on the hub. You enter the invoice and the share. The card prints keep, cost, and one sentence you can paste so the note matches the screen.

Send the sentence before you assign the invoice

Name the face value. Name the share you typed. Name keep this week. Name the cost. Copy from the card so the numbers match.

• Worked $5,000 × 0.03. Net invoice $5,000.00. Share I typed 0.03. Cash this week I keep $4,850.00. Cost of selling it $150.00. This is not a typical factor fee, not a loan, and not a wait-vs-deposit. Please confirm the share before I treat this as cash this week.
• You typed 0. Net invoice $5,000.00. Share I typed 0. Cash this week I keep $5,000.00. Cost of selling it $0.00. Share 0 means I did not sell a slice — the bill is still their net.
• You typed 0.08. Net invoice $5,000.00. Share I typed 0.08. Cash this week I keep $4,600.00. Cost of selling it $400.00. A larger share is a smaller keep. I typed 0.08; this page did not publish it as a market.

Skip speeches about “everyone factors at 3%.” If you do not have a share from a real quote, do not block the week on a mill. If they have not issued the bill and you can still ask them to pay a deposit, use Net 30 vs deposit. If the date already passed, use late-invoice follow-up. If they want to pay in another currency, convert on paid in another currency first. If the hourly floor is still a shrug, build it on how to set a freelance rate.

Planning numbers, not a factoring desk

Education only — not a lender, not a lawyer, not a tax desk, not collections, and not a 50-state filing table. No official 3%. No advance/reserve mill. No seller-fee clone. Use the quote you already have. If you need an enforceable assignment, counsel where you work drafts it before you sign. Typing here does not mint that paper.

You enter the invoice and the share. The card prints keep = invoice × (1 − share), cost = invoice × share, and one sentence. USD signs here; tax slice stays on the hub. The wait stays on Net 30 vs deposit. The chase stays on late-invoice follow-up. The conversion stays on paid in another currency. The rail stays on Stripe vs Wise.

Rate calculator Net 30 vs deposit — the wait Three gates — they still pay you Paid in another currency — what lands Already past due — chase Invoice sat — extra they still pay you Build the hourly number

Rebuild the floor on the hub if billable weeks moved. The client is net and you want cash this week by selling the invoice — print keep and cost here. They still pay you later, or they pay a deposit now, on Net 30 vs deposit. Three named gates on one quote — they still pay you, just in slices — live on milestone payments. A foreign send against a USD quote is paid in another currency. A date that already passed is late-invoice follow-up. The processor after a dollar exists is Stripe vs Wise.

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