{"id":9860,"date":"2026-07-31T10:08:03","date_gmt":"2026-07-31T10:08:03","guid":{"rendered":"https:\/\/tradegoai.app\/?post_type=tools&#038;p=9860"},"modified":"2026-07-31T10:08:03","modified_gmt":"2026-07-31T10:08:03","slug":"handelsfinanzierungskosten-rechner","status":"publish","type":"tools","link":"https:\/\/tradegoai.app\/de\/tools\/trade-finance-cost-calculator\/","title":{"rendered":"Handelsfinanzierungskosten-Rechner"},"content":{"rendered":"    <main id=\"tga-finance-1\" class=\"tga-finance-tool\" aria-labelledby=\"tga-finance-1-title\">\n        <style>\n            #tga-finance-1{--navy:#0f1831;--purple:#6528f7;--purple-dark:#501bd8;--lilac:#f2efff;--muted:#64748b;--line:#e2e8f0;--success:#047857;--danger:#b91c1c;width:100%;max-width:1180px;margin:44px auto 72px;padding:0 22px;color:var(--navy);font-family:inherit;box-sizing:border-box}\n            #tga-finance-1 *,#tga-finance-1 *::before,#tga-finance-1 *::after{box-sizing:border-box}\n            #tga-finance-1 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  <\/style>\n\n        <section class=\"tga-finance-hero\">\n            <p class=\"tga-finance-eyebrow\">See the Full Cost Behind an Invoice Advance<\/p>\n            <h1 id=\"tga-finance-1-title\">Trade Finance Cost Calculator<\/h1>\n            <p>Turn an advance rate, interest period, and provider fees into a clear financing cost, available-cash, and maturity-balance estimate.<\/p>\n        <\/section>\n\n        <section class=\"tga-finance-workspace\" aria-label=\"Trade finance cost workspace\">\n            <form class=\"tga-finance-panel tga-finance-form\" novalidate>\n                <h2>Enter Invoice and Financing Terms<\/h2>\n                <p class=\"tga-finance-intro\">Use one currency throughout and copy the commercial terms from the proposal you are reviewing.<\/p>\n                <div class=\"tga-finance-grid\">\n                    <div><label for=\"tga-finance-1-currency\">Currency<\/label><select id=\"tga-finance-1-currency\" data-field=\"currency\"><option>USD<\/option><option>EUR<\/option><option>GBP<\/option><option>CNY<\/option><option>JPY<\/option><option>KRW<\/option><option>AUD<\/option><option>CAD<\/option><\/select><\/div>\n                    <div><label for=\"tga-finance-1-invoice\">Invoice value<\/label><input id=\"tga-finance-1-invoice\" data-field=\"invoice\" type=\"number\" value=\"100000\" min=\"0.01\" max=\"1000000000000\" step=\"0.01\" required><\/div>\n                    <div><label for=\"tga-finance-1-advance\">Advance percentage (%)<\/label><input id=\"tga-finance-1-advance\" data-field=\"advanceRate\" type=\"number\" value=\"80\" min=\"0.01\" max=\"100\" step=\"0.01\" required><\/div>\n                    <div><label for=\"tga-finance-1-interest\">Annual interest rate (%)<\/label><input id=\"tga-finance-1-interest\" data-field=\"interestRate\" type=\"number\" value=\"8\" min=\"0\" max=\"100\" step=\"0.001\" required><\/div>\n                    <div><label for=\"tga-finance-1-days\">Financed days<\/label><input id=\"tga-finance-1-days\" data-field=\"days\" type=\"number\" value=\"90\" min=\"1\" max=\"3650\" step=\"1\" required><\/div>\n                    <div><label for=\"tga-finance-1-basis\">Interest day-count basis<\/label><select id=\"tga-finance-1-basis\" data-field=\"basis\"><option value=\"360\">360 days<\/option><option value=\"365\">365 days<\/option><\/select><\/div>\n                    <div><label for=\"tga-finance-1-arrangement\">Arrangement fee (%)<\/label><input id=\"tga-finance-1-arrangement\" data-field=\"arrangementRate\" type=\"number\" value=\"1\" min=\"0\" max=\"100\" step=\"0.001\" required><span class=\"tga-finance-help\">Applied to the financed amount.<\/span><\/div>\n                    <div><label for=\"tga-finance-1-fixed\">Fixed provider fees<\/label><input id=\"tga-finance-1-fixed\" data-field=\"fixedFees\" type=\"number\" value=\"500\" min=\"0\" max=\"1000000000000\" step=\"0.01\" required><\/div>\n                    <div class=\"tga-finance-wide\"><label for=\"tga-finance-1-other\">Other financing costs<\/label><input id=\"tga-finance-1-other\" data-field=\"otherCosts\" type=\"number\" value=\"0\" min=\"0\" max=\"1000000000000\" step=\"0.01\" required><span class=\"tga-finance-help\">For example, a known insurance, document, or transfer cost included in the financing proposal.<\/span><\/div>\n                <\/div>\n                <p class=\"tga-finance-error\" role=\"alert\" aria-live=\"assertive\"><span data-error=\"invalid\" hidden>Enter valid values within the displayed limits. Invoice value, advance percentage, and whole-number financed days must be greater than zero.<\/span><\/p>\n                <div class=\"tga-finance-actions\"><button class=\"tga-finance-button tga-finance-primary\" type=\"submit\">Calculate Finance Cost<\/button><button class=\"tga-finance-button\" data-action=\"reset\" type=\"button\">Reset<\/button><\/div>\n            <\/form>\n\n            <section class=\"tga-finance-panel tga-finance-result\" aria-labelledby=\"tga-finance-1-result-title\">\n                <h2 id=\"tga-finance-1-result-title\">Trade Finance Cost Estimate<\/h2>\n                <p class=\"tga-finance-intro\">Review the cost components separately before comparing providers or changing payment terms.<\/p>\n                <div class=\"tga-finance-empty\" data-empty>Enter the invoice and financing terms, then select Calculate Finance Cost.<span class=\"tga-finance-status\" data-reset-status hidden>The example finance terms have been restored.<\/span><\/div>\n                <div data-output hidden>\n                    <div class=\"tga-finance-metrics\">\n                        <div class=\"tga-finance-metric\"><span>Financed amount<\/span><strong data-result=\"financed\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Estimated interest<\/span><strong data-result=\"interest\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Arrangement fee<\/span><strong data-result=\"arrangement\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Total finance cost<\/span><strong data-result=\"totalCost\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Available cash now<\/span><strong data-result=\"cashNow\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Possible maturity balance<\/span><strong data-result=\"maturity\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Total cash after settlement<\/span><strong data-result=\"totalCash\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Cost as % of invoice<\/span><strong data-result=\"invoiceCostRate\">\u2014<\/strong><\/div>\n                        <div class=\"tga-finance-metric\"><span>Annualized finance cost<\/span><strong data-result=\"annualized\">\u2014<\/strong><\/div>\n                    <\/div>\n                    <div class=\"tga-finance-callout\" data-callout><\/div>\n                    <div class=\"tga-finance-actions\"><button class=\"tga-finance-button\" data-action=\"copy\" type=\"button\">Copy Summary<\/button><button class=\"tga-finance-button\" data-action=\"download\" type=\"button\">Download CSV<\/button><\/div>\n                    <p class=\"tga-finance-status\" role=\"status\" aria-live=\"polite\"><span data-status=\"calculated\" hidden>Finance cost calculated.<\/span><span data-status=\"copied\" hidden>Summary copied.<\/span><span data-status=\"copyFailed\" hidden>Copy failed. Select and copy the result manually.<\/span><span data-status=\"downloaded\" hidden>CSV downloaded.<\/span><\/p>\n                <\/div>\n            <\/section>\n        <\/section>\n\n        <section class=\"tga-finance-section\">\n            <h2>How the Finance Estimate Is Built<\/h2>\n            <p>The worksheet keeps the advance, time-based interest, percentage fee, fixed fees, and possible settlement balance visible as separate amounts.<\/p>\n            <div class=\"tga-finance-guide\">\n                <article><h3>Advance Amount<\/h3><p>Invoice value multiplied by the advance percentage estimates the cash amount financed before fees.<\/p><\/article>\n                <article><h3>Interest and Fees<\/h3><p>Simple interest uses the financed amount, annual rate, financed days, and selected day-count basis. Entered fees are then added.<\/p><\/article>\n                <article><h3>Planning Boundary<\/h3><p>The result does not apply compounding, reserves, recourse claims, taxes, FX spreads, late fees, or provider-specific settlement rules.<\/p><\/article>\n            <\/div>\n        <\/section>\n\n        <section class=\"tga-finance-cta\"><div><h2>Plan International Deals With Better Cost Visibility<\/h2><p>Explore TradeGoAI services for buyer research, sales preparation, trade documentation, risk review, and market visibility.<\/p><\/div><a href=\"https:\/\/tradegoai.app\/de\/services\/\">Explore Services \u2192<\/a><\/section>\n\n        <section class=\"tga-finance-section\"><h2>Frequently Asked Questions<\/h2><div class=\"tga-finance-faq\"><details><summary>How is the financed amount calculated?<\/summary><p>The financed amount equals the invoice value multiplied by the advance percentage. Enter the percentage shown in the financing proposal you are reviewing.<\/p><\/details><details><summary>How does the calculator estimate interest?<\/summary><p>Simple interest equals the financed amount multiplied by the annual interest rate and the financed days, divided by the selected 360-day or 365-day basis.<\/p><\/details><details><summary>What is included in total finance cost?<\/summary><p>The result adds estimated interest, the arrangement fee calculated on the financed amount, fixed fees, and other costs entered by the user.<\/p><\/details><details><summary>What does annualized finance cost mean?<\/summary><p>It annualizes total finance cost as a percentage of the financed amount over the selected day-count basis. It is a comparison aid, not a regulated APR or lender disclosure.<\/p><\/details><details><summary>Does available cash now include the maturity balance?<\/summary><p>No. Available cash now equals the financed amount minus the entered finance costs. The unadvanced invoice balance is shown separately as a possible maturity balance.<\/p><\/details><details><summary>Can I use this as a final financing quote?<\/summary><p>Use it as a planning worksheet. Confirm compounding, minimum charges, recourse, reserves, taxes, currency conversion, late fees, settlement deductions, and legal terms with the provider.<\/p><\/details><\/div><\/section>\n\n        <section class=\"tga-finance-section\">\n            <h2>Related Free Tools<\/h2><p>Continue from financing-cost review into export pricing, landed cost, and margin planning.<\/p>\n            <div class=\"tga-finance-related\">\n                <a href=\"https:\/\/tradegoai.app\/de\/tools\/export-price-margin-calculator\/\"><strong>Export Price &amp; Margin Calculator<\/strong><span>Build an export quotation from product, shipment, commission, exchange-rate, and profit inputs.<\/span><\/a>\n                <a href=\"https:\/\/tradegoai.app\/de\/tools\/landed-cost-calculator\/\"><strong>Landed Cost Calculator<\/strong><span>Combine product, freight, insurance, duties, taxes, and fees into shipment and per-unit totals.<\/span><\/a>\n                <a href=\"https:\/\/tradegoai.app\/de\/tools\/distributor-margin-calculator\/\"><strong>Distributor Margin Calculator<\/strong><span>Compare supplier, distributor, retailer, discount, and commission economics across a channel.<\/span><\/a>\n            <\/div>\n        <\/section>\n\n        <div data-i18n hidden>\n            <span data-key=\"lead\">Planning result:<\/span><span data-key=\"note\">Available cash now assumes all entered costs are deducted from the advance. Confirm the provider\u2019s actual deduction and settlement sequence.<\/span>\n            <span data-key=\"title\">Trade Finance Cost Estimate<\/span><span data-key=\"currency\">Currency<\/span><span data-key=\"invoice\">Invoice value<\/span><span data-key=\"advanceRate\">Advance percentage<\/span>\n            <span data-key=\"financed\">Financed amount<\/span><span data-key=\"interestRate\">Annual interest rate<\/span><span data-key=\"days\">Financed days<\/span><span data-key=\"basis\">Day-count basis<\/span>\n            <span data-key=\"interest\">Estimated interest<\/span><span data-key=\"arrangement\">Arrangement fee<\/span><span data-key=\"fixed\">Fixed provider fees<\/span><span data-key=\"other\">Other financing costs<\/span>\n            <span data-key=\"totalCost\">Total finance cost<\/span><span data-key=\"cashNow\">Available cash now<\/span><span data-key=\"maturity\">Possible maturity balance<\/span><span data-key=\"totalCash\">Total cash after settlement<\/span>\n            <span data-key=\"invoiceCostRate\">Cost as % of invoice<\/span><span data-key=\"annualized\">Annualized finance cost<\/span>\n        <\/div>\n\n        <script>\n        (function(){\n            'use strict';const root=document.getElementById(\"tga-finance-1\");if(!root||root.dataset.ready==='1')return;root.dataset.ready='1';\n            const form=root.querySelector('.tga-finance-form'),empty=root.querySelector('[data-empty]'),output=root.querySelector('[data-output]'),callout=root.querySelector('[data-callout]'),fields={},results={},labels={};\n            root.querySelectorAll('[data-field]').forEach(n=>fields[n.dataset.field]=n);root.querySelectorAll('[data-result]').forEach(n=>results[n.dataset.result]=n);\n            const defaults={currency:'USD',invoice:'100000',advanceRate:'80',interestRate:'8',days:'90',basis:'360',arrangementRate:'1',fixedFees:'500',otherCosts:'0'};let current=null;\n            function loadLabels(){root.querySelectorAll('[data-i18n] 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