What the numbers are telling you.
- Fee periods round up; crossing a boundary can add a full period.
- The modeled fee uses invoice face value, not just the advance.
- A negative reserve release means the reserve does not cover fees.
MORTGAGE EXIT COST DESK
Cash today.
The reserve in view.
See how collection timing changes the fee.
YOUR DECISION MAP
- 01Set your assumptions
- 02See the trade-offs
- 03Keep, compare or share
34 tools. One connected workspace.
Private lending
Invoice factoring fee model
Follow the invoice advance, time-based discount, reserve and final proceeds.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-23.3Discount plus entered fees$3,100
Initial advance$85,000
Reserve released after fees$11,900
Combined net proceeds$96,900
Charged fee periods2
One fee structure; contracts can charge on advances, use daily/tiered charges or minimums. A negative reserve release means additional funds owed. Recourse and nonpayment are excluded. Not APR.
Get help with my next step ↗A SMALL CHANGE / A DIFFERENT VIEW
Customer pays fifteen days later
Discount plus entered fees
Current scenario$3,100
Changed assumption$3,100
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
Why does one extra day sometimes change the fee?
This model charges complete fee periods. Actual agreements can instead use daily accrual, tiers or minimums; choose the model only when it matches the contract.
Ask about your next step ↗THE LONG VIEW
Follow the balance.
View the year-by-year numbers +
YOUR COMPARISON TABLE
Keep the possibilities
side by side.
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
No scenarios saved on this device yet.
OPEN METHODS / BETTER QUESTIONS
Understand what the number means.
The calculation
Round collection days up to whole fee periods. Charge the entered percentage on invoice face value per period. Deduct fees from the retained reserve.
Before acting on the result
One fee structure; contracts can charge on advances, use daily/tiered charges or minimums. A negative reserve release means additional funds owed. Recourse and nonpayment are excluded. Not APR.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR NEXT STEP / MITEY U.S.
A number is a start.
Make the next step clearer.
Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.
01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check
This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.
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