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Contract Comparison
Two factoring contracts, side by side. See the true monthly and annual cost, plus a flexibility score that accounts for lock-in, notice, and termination fees. Updates live as you type.
Contract A
Percentage charged per invoice.
Typical monthly invoiced revenue.
Total commitment, feeds flexibility score.
Minimum volume to avoid penalties. 0 means none.
Advanced detailsShowHide
Additional discount or fee, separate from base rate.
For example "10%" or "$5,000". Informational.
Advance notice required to cancel or opt out of renewal.
"None", "$0", or blank counts as no fee for scoring.
Contract B
Percentage charged per invoice.
Typical monthly invoiced revenue.
Total commitment, feeds flexibility score.
Minimum volume to avoid penalties. 0 means none.
Advanced detailsShowHide
Additional discount or fee, separate from base rate.
For example "10%" or "$5,000". Informational.
Advance notice required to cancel or opt out of renewal.
"None", "$0", or blank counts as no fee for scoring.
Contract A
Percentage charged per invoice.
Typical monthly invoiced revenue.
Total commitment, feeds flexibility score.
Minimum volume to avoid penalties. 0 means none.
Advanced detailsShowHide
Additional discount or fee, separate from base rate.
For example "10%" or "$5,000". Informational.
Advance notice required to cancel or opt out of renewal.
"None", "$0", or blank counts as no fee for scoring.
Contract B
Percentage charged per invoice.
Typical monthly invoiced revenue.
Total commitment, feeds flexibility score.
Minimum volume to avoid penalties. 0 means none.
Advanced detailsShowHide
Additional discount or fee, separate from base rate.
For example "10%" or "$5,000". Informational.
Advance notice required to cancel or opt out of renewal.
"None", "$0", or blank counts as no fee for scoring.
Comparison summary
Green trends mean better for you if you pick Contract B.
Volume x rate
About $3,600 per year.
Score 4 of 9. Some friction, watch renewal and notice windows.
Score 9 of 9. Easy to exit, low switching risk.
Flags and notes
Neither field changes the math. Both shape how we follow up.
Language you do not understand, for example reserve release, chargebacks, non-notification vs notification, UCC filings.
How to read this
Rate alone is misleading
A 0.25% lower rate can be erased by an $800 monthly minimum penalty when volume dips.
Reserves matter for cash flow
Money held in reserve is not lost, but it is not funding fuel and payroll either.
Auto-renewal plus a long notice window is a trap
A 12-month contract with auto-renewal and 90-day notice can silently commit another year.
Poor flexibility is a switching cost
If Contract A scores Poor, the real cost of switching includes termination fees plus notice-period revenue at the old rate. Factor that in before committing.
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Disclaimer: The CarrierNet Contract Comparison Tool is provided for general informational and educational purposes only. The results generated are estimates based solely on the data you enter and do not constitute financial, legal, or contractual advice. CarrierNet makes no representations or warranties regarding accuracy, validity, or completeness of the information provided. Users should consult with a qualified advisor for specific business decisions.