---
type: DecisionTool
title: "Forfaiting vs Factoring vs Invoice Discounting Economics"
description: "Compares net proceeds and effective annual cost across forfaiting (medium/long-term trade receivables, non-recourse PV discount), factoring with recourse, factoring without recourse, and invoice discounting for a receivables portfolio. Models advance rates, discount rates, service fees, and arrangement costs; returns per-instrument net proceeds, effective annual cost, a cost ranking, and the cheapest/highest-proceeds instrument. Provable node counterpart to tools/425-forfaiting-factoring-economics.html."
resource: https://ainumbers.co/chaingraph/art-479-compare-receivables-finance-economics.html
tags: ["analytics_mandate", "wave-65", "mcp:compare_receivables_finance_economics"]
timestamp: 2026-07-14
---

# Forfaiting vs Factoring vs Invoice Discounting Economics

> Exports a decision via MCP `compare_receivables_finance_economics` — mandate type `analytics_mandate`.

## Inputs

Typed `inputSchema` — see [tool page](https://ainumbers.co/chaingraph/art-479-compare-receivables-finance-economics.html).

## Outputs

A hash-anchored OpenChainGraph artifact (decision, not context).

## Chains

**Consumes:** _none (root node)_

**Feeds:** _terminal node_