{"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":"cong-cu-tinh-chi-phi-tai-tro-thuong-mai","status":"publish","type":"tools","link":"https:\/\/tradegoai.app\/vi\/tools\/trade-finance-cost-calculator\/","title":{"rendered":"C\u00f4ng c\u1ee5 t\u00ednh chi ph\u00ed t\u00e0i tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i"},"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 .tga-finance-hero{position:relative;overflow:hidden;padding:46px 48px;border-radius:22px;background:radial-gradient(circle at 88% 18%,rgba(101,40,247,.78),transparent 34%),linear-gradient(135deg,#081127,#131d42);color:#fff}\n            #tga-finance-1 .tga-finance-hero::after{position:absolute;right:-78px;bottom:-118px;width:320px;height:320px;border:1px solid rgba(255,255,255,.16);border-radius:50%;content:\"\"}\n            #tga-finance-1 .tga-finance-eyebrow{position:relative;z-index:1;margin:0 0 12px;color:#cbbcff;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}\n            #tga-finance-1 .tga-finance-hero h1{position:relative;z-index:1;max-width:930px;margin:0 0 14px;color:#fff;font-size:clamp(36px,5.5vw,62px);line-height:1.03;letter-spacing:-.04em}\n            #tga-finance-1 .tga-finance-hero p:last-child{position:relative;z-index:1;max-width:790px;margin:0;color:#dce4ff;font-size:18px;line-height:1.65}\n            #tga-finance-1 .tga-finance-workspace{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(0,.97fr);gap:24px;margin-top:28px;align-items:start}\n            #tga-finance-1 .tga-finance-workspace>*{min-width:0}\n            #tga-finance-1 .tga-finance-panel,#tga-finance-1 .tga-finance-section{border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 16px 45px rgba(15,24,49,.06)}\n            #tga-finance-1 .tga-finance-panel{padding:28px}#tga-finance-1 .tga-finance-section{margin-top:28px;padding:30px}\n            #tga-finance-1 h2{margin:0 0 8px;color:var(--navy);font-size:25px;line-height:1.25;letter-spacing:-.02em}\n            #tga-finance-1 .tga-finance-intro,#tga-finance-1 .tga-finance-section>p{margin:0;color:var(--muted);line-height:1.7}\n            #tga-finance-1 .tga-finance-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:20px}\n            #tga-finance-1 .tga-finance-wide{grid-column:1\/-1}\n            #tga-finance-1 label{display:block;margin:0 0 7px;color:#334155;font-size:13px;font-weight:700}\n            #tga-finance-1 input,#tga-finance-1 select{width:100%;min-height:48px;margin:0;padding:10px 13px;border:1px solid #cbd5e1;border-radius:10px;outline:0;background:#fff;color:var(--navy);font:inherit;font-size:15px}\n            #tga-finance-1 input:focus,#tga-finance-1 select:focus{border-color:var(--purple);box-shadow:0 0 0 3px rgba(101,40,247,.12)}\n            #tga-finance-1 .tga-finance-help{display:block;margin-top:6px;color:var(--muted);font-size:12px;line-height:1.45}\n            #tga-finance-1 .tga-finance-error,#tga-finance-1 .tga-finance-status{min-height:22px;margin:13px 0 0;font-size:13px;font-weight:700;line-height:1.5}\n            #tga-finance-1 .tga-finance-error{color:var(--danger)}#tga-finance-1 .tga-finance-status{color:var(--success)}\n            #tga-finance-1 [hidden]{display:none!important}\n            #tga-finance-1 .tga-finance-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}\n            #tga-finance-1 .tga-finance-button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:9px 14px;border:1px solid #cbd5e1;border-radius:9px;background:#fff;color:var(--navy);cursor:pointer;font:inherit;font-size:14px;font-weight:800;line-height:1.2;text-decoration:none}\n            #tga-finance-1 .tga-finance-button:hover{border-color:var(--purple);transform:translateY(-1px)}\n            #tga-finance-1 .tga-finance-primary{min-height:50px;padding:11px 19px;border-color:var(--purple);background:var(--purple);color:#fff}\n            #tga-finance-1 .tga-finance-primary:hover{border-color:var(--purple-dark);background:var(--purple-dark)}\n            #tga-finance-1 .tga-finance-result{min-height:590px}\n            #tga-finance-1 .tga-finance-empty{margin-top:22px;padding:28px 22px;border:1px dashed #cbd5e1;border-radius:14px;background:#f8fafc;color:var(--muted);line-height:1.7;text-align:center}\n            #tga-finance-1 .tga-finance-metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:20px}\n            #tga-finance-1 .tga-finance-metric{min-width:0;padding:15px;border:1px solid var(--line);border-radius:12px;background:#fbfdff}\n            #tga-finance-1 .tga-finance-metric span{display:block;color:var(--muted);font-size:12px;font-weight:700;line-height:1.4}\n            #tga-finance-1 .tga-finance-metric strong{display:block;margin-top:5px;color:var(--navy);font-size:21px;line-height:1.25;overflow-wrap:anywhere}\n            #tga-finance-1 .tga-finance-callout{margin-top:15px;padding:16px;border-left:4px solid var(--purple);border-radius:10px;background:var(--lilac);color:#334155;line-height:1.65}\n            #tga-finance-1 .tga-finance-guide{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}\n            #tga-finance-1 .tga-finance-guide article{padding:18px;border:1px solid var(--line);border-radius:13px;background:#fbfdff}\n            #tga-finance-1 .tga-finance-guide h3{margin:0 0 7px;font-size:16px;line-height:1.35}#tga-finance-1 .tga-finance-guide p{margin:0;color:var(--muted);font-size:14px;line-height:1.65}\n            #tga-finance-1 .tga-finance-cta{display:flex;gap:28px;align-items:center;justify-content:space-between;margin-top:28px;padding:34px 38px;border-radius:18px;background:radial-gradient(circle at 88% 18%,rgba(101,40,247,.65),transparent 38%),linear-gradient(135deg,#081127,#131d42);color:#fff}\n            #tga-finance-1 .tga-finance-cta h2{color:#fff;font-size:28px}#tga-finance-1 .tga-finance-cta p{max-width:720px;margin:0;color:#dce4ff;line-height:1.7}#tga-finance-1 .tga-finance-cta a{flex:0 0 auto;display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:11px 19px;border-radius:10px;background:#fff;color:var(--navy);font-weight:800;text-decoration:none}\n            #tga-finance-1 .tga-finance-faq{display:grid;gap:10px;margin-top:20px}#tga-finance-1 details{border:1px solid var(--line);border-radius:12px;background:#fff}#tga-finance-1 summary{padding:16px 18px;cursor:pointer;font-weight:800}#tga-finance-1 details p{margin:0;padding:0 18px 17px;color:var(--muted);line-height:1.7}\n            #tga-finance-1 .tga-finance-related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:20px}#tga-finance-1 .tga-finance-related a{display:block;padding:20px;border:1px solid var(--line);border-radius:13px;color:var(--navy);text-decoration:none}#tga-finance-1 .tga-finance-related a:hover{border-color:var(--purple)}#tga-finance-1 .tga-finance-related strong{display:block;margin-bottom:7px;color:var(--purple)}#tga-finance-1 .tga-finance-related span{display:block;color:var(--muted);font-size:14px;line-height:1.6}\n            @media(max-width:900px){#tga-finance-1 .tga-finance-workspace{grid-template-columns:1fr}#tga-finance-1 .tga-finance-result{min-height:0}#tga-finance-1 .tga-finance-guide,#tga-finance-1 .tga-finance-related{grid-template-columns:1fr}#tga-finance-1 .tga-finance-cta{align-items:flex-start;flex-direction:column}}\n            @media(max-width:600px){#tga-finance-1{margin-top:28px;padding:0 0px}#tga-finance-1 .tga-finance-hero{padding:32px 23px}#tga-finance-1 .tga-finance-hero h1{font-size:36px}#tga-finance-1 .tga-finance-panel,#tga-finance-1 .tga-finance-section{padding:23px 19px}#tga-finance-1 .tga-finance-grid,#tga-finance-1 .tga-finance-metrics{grid-template-columns:1fr}#tga-finance-1 .tga-finance-wide{grid-column:auto}#tga-finance-1 input,#tga-finance-1 select{font-size:16px}#tga-finance-1 .tga-finance-actions{display:grid;grid-template-columns:1fr}#tga-finance-1 .tga-finance-button,#tga-finance-1 .tga-finance-cta a{width:100%}#tga-finance-1 .tga-finance-cta{padding:28px 22px}}\n        <\/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 TradeGo AI services for buyer research, sales preparation, trade documentation, risk review, and market visibility.<\/p><\/div><a href=\"https:\/\/tradegoai.app\/vi\/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\/vi\/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\/vi\/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\/vi\/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] [data-key]').forEach(n=>labels[n.dataset.key]=n.textContent.trim())}loadLabels();\n            function clear(){root.querySelectorAll('[data-error],[data-status],[data-reset-status]').forEach(n=>n.hidden=true)}\n            function message(type,key){clear();const n=root.querySelector(`[data-${type}=\"${key}\"]`);if(n)n.hidden=false}\n            function read(){const d={currency:fields.currency.value,invoice:Number(fields.invoice.value),advanceRate:Number(fields.advanceRate.value),interestRate:Number(fields.interestRate.value),days:Number(fields.days.value),basis:Number(fields.basis.value),arrangementRate:Number(fields.arrangementRate.value),fixedFees:Number(fields.fixedFees.value),otherCosts:Number(fields.otherCosts.value)};const ok=Number.isFinite(d.invoice)&&d.invoice>0&&d.invoice<=1e12&&Number.isFinite(d.advanceRate)&&d.advanceRate>0&&d.advanceRate<=100&&Number.isFinite(d.interestRate)&&d.interestRate>=0&&d.interestRate<=100&&Number.isInteger(d.days)&&d.days>=1&&d.days<=3650&&(d.basis===360||d.basis===365)&&Number.isFinite(d.arrangementRate)&&d.arrangementRate>=0&&d.arrangementRate<=100&&Number.isFinite(d.fixedFees)&&d.fixedFees>=0&&d.fixedFees<=1e12&&Number.isFinite(d.otherCosts)&&d.otherCosts>=0&&d.otherCosts<=1e12;if(!ok)throw new Error('invalid');return d}\n            function calculate(d){const financed=d.invoice*d.advanceRate\/100,interest=financed*d.interestRate\/100*d.days\/d.basis,arrangement=financed*d.arrangementRate\/100,totalCost=interest+arrangement+d.fixedFees+d.otherCosts,cashNow=financed-totalCost,maturity=d.invoice-financed,totalCash=cashNow+maturity,invoiceCostRate=totalCost\/d.invoice*100,annualized=totalCost\/financed*d.basis\/d.days*100;return{input:d,financed,interest,arrangement,totalCost,cashNow,maturity,totalCash,invoiceCostRate,annualized}}\n            function money(v,c){try{return new Intl.NumberFormat(undefined,{style:'currency',currency:c,currencyDisplay:'code',minimumFractionDigits:2,maximumFractionDigits:2}).format(v)}catch(e){return c+' '+v.toFixed(2)}}function rate(v){return new Intl.NumberFormat(undefined,{minimumFractionDigits:2,maximumFractionDigits:2}).format(v)+'%'}\n            function render(r){const c=r.input.currency;['financed','interest','arrangement','totalCost','cashNow','maturity','totalCash'].forEach(k=>results[k].textContent=money(r[k],c));results.invoiceCostRate.textContent=rate(r.invoiceCostRate);results.annualized.textContent=rate(r.annualized);callout.textContent='';const strong=document.createElement('strong');strong.textContent=labels.lead+' ';callout.appendChild(strong);callout.appendChild(document.createTextNode(labels.note));empty.hidden=true;output.hidden=false;message('status','calculated')}\n            function lines(r){const c=r.input.currency,rows=[[labels.currency,c],[labels.invoice,money(r.input.invoice,c)],[labels.advanceRate,rate(r.input.advanceRate)],[labels.financed,money(r.financed,c)],[labels.interestRate,rate(r.input.interestRate)],[labels.days,r.input.days],[labels.basis,r.input.basis],[labels.interest,money(r.interest,c)],[labels.arrangement,money(r.arrangement,c)],[labels.fixed,money(r.input.fixedFees,c)],[labels.other,money(r.input.otherCosts,c)],[labels.totalCost,money(r.totalCost,c)],[labels.cashNow,money(r.cashNow,c)],[labels.maturity,money(r.maturity,c)],[labels.totalCash,money(r.totalCash,c)],[labels.invoiceCostRate,rate(r.invoiceCostRate)],[labels.annualized,rate(r.annualized)]];return{rows,text:[labels.title].concat(rows.map(x=>x[0]+': '+x[1])).join('\\n')}}\n            function csvCell(v){let s=String(v);if(\/^[=+\\-@]\/.test(s))s=\"'\"+s;return '\"'+s.replace(\/\"\/g,'\"\"')+'\"'}\n            async function copy(){if(!current)return;try{const text=lines(current).text;if(navigator.clipboard&&window.isSecureContext)await navigator.clipboard.writeText(text);else{const a=document.createElement('textarea');a.value=text;a.style.position='fixed';a.style.opacity='0';document.body.appendChild(a);a.select();if(!document.execCommand('copy'))throw new Error();a.remove()}message('status','copied')}catch(e){message('status','copyFailed')}}\n            function download(){if(!current)return;const rows=[['Metric','Value']].concat(lines(current).rows),csv='\\uFEFF'+rows.map(r=>r.map(csvCell).join(',')).join('\\r\\n'),blob=new Blob([csv],{type:'text\/csv;charset=utf-8'}),url=URL.createObjectURL(blob),a=document.createElement('a');a.href=url;a.download='trade-finance-cost-estimate.csv';document.body.appendChild(a);a.click();a.remove();setTimeout(()=>URL.revokeObjectURL(url),1000);message('status','downloaded')}\n            function reset(){Object.keys(defaults).forEach(k=>fields[k].value=defaults[k]);current=null;clear();output.hidden=true;empty.hidden=false;root.querySelector('[data-reset-status]').hidden=false;fields.invoice.focus()}\n            form.addEventListener('submit',e=>{e.preventDefault();loadLabels();clear();try{current=calculate(read());render(current)}catch(err){current=null;output.hidden=true;empty.hidden=false;message('error',err.message||'invalid')}});\n            root.querySelector('[data-action=\"reset\"]').addEventListener('click',reset);root.querySelector('[data-action=\"copy\"]').addEventListener('click',copy);root.querySelector('[data-action=\"download\"]').addEventListener('click',download);\n        })();\n        <\/script>\n    <\/main>\n    \n","protected":false},"excerpt":{"rendered":"<p>T\u00ednh s\u1ed1 ti\u1ec1n t\u00e0i tr\u1ee3, l\u00e3i su\u1ea5t, ph\u00ed, ti\u1ec1n m\u1eb7t kh\u1ea3 d\u1ee5ng, s\u1ed1 d\u01b0 khi \u0111\u00e1o h\u1ea1n v\u00e0 chi ph\u00ed t\u00e0i ch\u00ednh quy \u0111\u1ed5i theo n\u0103m cho h\u00f3a \u0111\u01a1n th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf.<\/p>","protected":false},"featured_media":9862,"template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"spectra_gs_classes":"[\"\"]"},"tool_categories":[52,46],"class_list":["post-9860","tools","type-tools","status-publish","has-post-thumbnail","hentry","tool_categories-trade-costing","tool_categories-trade-operations"],"spectra_custom_meta":{"spectra_gs_classes":["[\"\"]"],"rank_math_internal_links_processed":["1"],"wp_statistics_words_count":["1"],"_thumbnail_id":["9862"],"rank_math_title":["%title% %sep% %sitename%"],"rank_math_description":["%excerpt%"],"rank_math_robots":["a:2:{i:0;s:5:\"index\";i:1;s:6:\"follow\";}"],"rank_math_facebook_image":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share.webp"],"rank_math_facebook_image_id":["9862"],"rank_math_twitter_use_facebook":["on"],"rank_math_twitter_card_type":["summary_large_image"],"rank_math_schema_SoftwareApplication":["a:8:{s:5:\"@type\";s:19:\"SoftwareApplication\";s:4:\"name\";s:29:\"Trade Finance Cost Calculator\";s:11:\"description\";s:134:\"Calculate financed amount, interest, provider fees, available cash, maturity balance, and annualized finance cost for a trade invoice.\";s:3:\"url\";s:58:\"https:\/\/tradegoai.app\/tools\/trade-finance-cost-calculator\/\";s:5:\"image\";s:96:\"https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share.webp\";s:19:\"applicationCategory\";s:19:\"BusinessApplication\";s:15:\"operatingSystem\";s:11:\"Web Browser\";s:6:\"offers\";a:3:{s:5:\"@type\";s:5:\"Offer\";s:5:\"price\";s:1:\"0\";s:13:\"priceCurrency\";s:3:\"USD\";}}"],"astra_style_timestamp_css":["1790732867"],"_uag_page_assets":["a:9:{s:3:\"css\";s:4963:\".uag-blocks-common-selector{z-index:var(--z-index-desktop) !important}@media (max-width: 976px){.uag-blocks-common-selector{z-index:var(--z-index-tablet) !important}}@media (max-width: 767px){.uag-blocks-common-selector{z-index:var(--z-index-mobile) !important}}\n.uagb-icon-list__wrap{display:flex;align-items:flex-start;justify-content:flex-start}.wp-block-uagb-icon-list-child{padding:0;transition:all 0.2s;display:inline-flex;color:#3a3a3a;align-items:center;text-decoration:none;box-shadow:none}.wp-block-uagb-icon-list-child span.uagb-icon-list__source-wrap{display:block;align-items:center}.uagb-icon-list__source-wrap svg{display:block}.uagb-icon-list__source-image{width:40px}.uagb-icon-list__outer-wrap .uagb-icon-list__content-wrap{color:#3a3a3a;display:flex;align-items:center}\n.wp-block-uagb-icon-list-child{position:relative}.wp-block-uagb-icon-list-child>a{position:absolute;top:0;left:0;width:100%;height:100%}img.uagb-icon-list__source-image{max-width:unset}.wp-block-uagb-icon-list-child .uagb-icon-list__label{word-break:break-word}\n.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__source-image{width: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 16px;height: 16px;font-size: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-radius: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__label{text-decoration: !important;font-weight: 600;line-height: em;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;margin-top: 30px;margin-right: 0px;margin-bottom: 0px;margin-left: 0px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__label{text-align: left;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child{text-decoration: !important;font-weight: 600;line-height: em;}.wp-block-uagb-icon-list.uagb-block-b5768981.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 10px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__source-wrap{margin-right: 15px;}.uagb-block-75fa870d.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-75fa870d.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-5bf81fd2.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-5bf81fd2.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}@media only screen and (max-width: 976px) {.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__source-image{width: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 16px;height: 16px;font-size: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap {padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__label{text-align: left;}.wp-block-uagb-icon-list.uagb-block-b5768981.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 10px;}}@media only screen and (max-width: 767px) {.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__source-image{width: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__label{text-align: center;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 16px;height: 16px;font-size: 16px;}.wp-block-uagb-icon-list.uagb-block-b5768981 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-b5768981 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: center;-ms-flex-align: center;align-items: center;margin-top: 0px;margin-right: 0px;margin-bottom: 0px;margin-left: 0px;}.wp-block-uagb-icon-list.uagb-block-b5768981.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 10px;}}\";s:2:\"js\";s:0:\"\";s:18:\"current_block_list\";a:10:{i:0;s:11:\"core\/search\";i:1;s:10:\"core\/group\";i:2;s:12:\"core\/heading\";i:3;s:17:\"core\/latest-posts\";i:4;s:20:\"core\/latest-comments\";i:5;s:13:\"core\/archives\";i:6;s:15:\"core\/categories\";i:7;s:14:\"uagb\/icon-list\";i:8;s:20:\"uagb\/icon-list-child\";i:9;s:14:\"core\/shortcode\";}s:8:\"uag_flag\";b:1;s:11:\"uag_version\";s:10:\"1791813617\";s:6:\"gfonts\";a:0:{}s:10:\"gfonts_url\";s:0:\"\";s:12:\"gfonts_files\";a:0:{}s:14:\"uag_faq_layout\";b:0;}"],"_uag_css_file_name":["uag-css-9860.css"]},"uagb_featured_image_src":{"full":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share.webp",1200,630,false],"thumbnail":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share-150x150.webp",150,150,true],"medium":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share-300x158.webp",300,158,true],"medium_large":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share-768x403.webp",768,403,true],"large":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share-1024x538.webp",1024,538,true],"1536x1536":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share.webp",1200,630,false],"2048x2048":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share.webp",1200,630,false],"trp-custom-language-flag":["https:\/\/tradegoai.app\/wp-content\/uploads\/2026\/07\/trade-finance-cost-calculator-social-share-18x9.webp",18,9,true]},"uagb_author_info":{"display_name":"xiaoxi99202@gmail.com","author_link":"https:\/\/tradegoai.app\/vi\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Calculate financed amount, interest, fees, available cash, maturity balance, and annualized finance cost for an international trade invoice.","_links":{"self":[{"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/tools\/9860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/tools"}],"about":[{"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/types\/tools"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/media\/9862"}],"wp:attachment":[{"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/media?parent=9860"}],"wp:term":[{"taxonomy":"tool_categories","embeddable":true,"href":"https:\/\/tradegoai.app\/vi\/wp-json\/wp\/v2\/tool_categories?post=9860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}