The factoring fee starts lower than 1% and is adjusted accordingly upon these factors:

• your customers' credit strength
• trends in your customers' payment cycles
• overall risk of your customers
• overhead in servicing your account (little invoices/big invoices, etc.)
• monthly factoring volume
• duration of your contract
• lastly, the rate of return based on the above factors (the amount UFC makes to provide our service)

The fee (or "discount") can be elevated for small transactions (less than $50K per month) or minor for companies that factor several hundred thousand dollars.