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Answer a few questions for us to understand your business' needs
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We will advise which options could be suitable for your business
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We'll present any offers available for your business. You choose the one that best suits your business.
Selective invoice finance, or spot factoring, enables businesses to raise cash against individual invoices rather than their entire sales ledger.
This includes ad-hoc single invoice finance, multi-invoice facilities, and hybrid arrangements offering both selective and whole book options.
Provide goods or services to your customer and issue an invoice as usual.
Share the invoice details with your chosen invoice finance provider.
The provider will advance you a percentage of the invoice value, usually between 70% and 90%.
Your customer then pays the invoice either directly to the finance provider or to you, depending on the type of facility.
Once payment is received, the finance provider releases the remaining balance to you, minus their agreed fees or charges.
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Whether you're looking for invoice discounting, invoice factoring, selective invoice finance, or any other type of invoice funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.
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It provides flexibility, allowing businesses to unlock funds only when needed. This is ideal for managing occasional cash flow gaps without long-term contracts.
Popular with SMEs that face seasonal fluctuations, unexpected expenses, or occasional large contracts.
Selective finance often comes with higher fees per invoice compared to whole book arrangements. However, it avoids fixed commitments.
Yes, subject to lender approval.
Yes, often within days.
Yes, as long as invoices are from creditworthy clients.
Sometimes, it depends on whether factoring or discounting is used.
Usually 70–85% of invoice value.
