OpenChainGraph Suite · ART-479 · Trade Finance

Forfaiting vs Factoring vs Invoice Discounting Economics

Net proceeds and effective annual cost across forfaiting (medium/long-term trade receivables, non-recourse PV discount), factoring with recourse, factoring without recourse, and invoice discounting for a receivables portfolio. Models advance rates, discount rates, service fees, and arrangement costs. Provable version of tools/425-forfaiting-factoring-economics.html.

Forfaiting Factoring Invoice Discounting

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⚠ Rates are indicative. Actual forfaiting discount rates, factoring fees, and advance rates depend on obligor credit quality, market liquidity, and funder appetite. Validate with your bank or funder before committing to a facility.

Receivables Portfolio

Total Invoice / Receivable Value

Average Invoice Tenor (days)

Currency

Obligor Credit Quality

Number of Debtors

Forfaiting Parameters (Non-Recourse)

Discount Rate (% pa)

Commitment Fee (% pa)

Arrangement Fee (% of facility)

Factoring (With Recourse) Parameters

Advance Rate (%)

Service / Factoring Fee (% of invoice)

Finance Charge (% pa)

Factoring (Non-Recourse) Parameters

Advance Rate (%)

Service Fee (% of invoice)

Finance Charge (% pa)

Invoice Discounting (Confidential) Parameters

Advance Rate (% of eligible debtors)

Discount Charge (% pa)

Service Fee (% of turnover)

Comparison

Instrument	Net Proceeds	Effective Cost (% pa)	Recourse

Execution Hash (SHA-256)

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

Run the AINumbers MCP tool `compare_receivables_finance_economics`. Task: Compare net proceeds and effective annual cost across forfaiting (medium/long-term trade receivables, non-recourse PV discount), factoring with recourse, factoring without recourse, and invoice discounting for a receivables portfolio.
Call it with arguments: {"policy_parameters":{"invoice_value":1000000,"tenor_days":90,"currency":"USD","obligor_quality":"sub_ig","num_debtors":"mid","forfaiting_discount_rate_pct":6.5,"forfaiting_commitment_fee_pct":0.5,"forfaiting_arrangement_fee_pct":0.5,"factoring_advance_rate_pct":85,"factoring_service_fee_pct":1,"factoring_finance_charge_pct":7,"nr_factoring_advance_rate_pct":82,"nr_factoring_service_fee_pct":1.8,"nr_factoring_finance_charge_pct":7.5,"id_advance_rate_pct":80,"id_discount_charge_pct":6.5,"id_service_fee_pct":0.2}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-479-compare-receivables-finance-economics.html#p=v1.H4sIAAAAAAAA_wHvARD-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