Selective invoice finance gives you the flexibility to release cash from a single invoice or a specific debtor, rather than committing your whole sales ledger to a lender. Sometimes known as spot factoring, this pay as you go approach means you only fund what you need, when you need it, with no ongoing commitment attached.
Unlike a traditional facility that covers your entire turnover, selective invoice finance lets you choose exactly what to fund.
Factor a particular customer or group of customers within your sales ledger, rather than your whole book.
With spot factoring, cash can be released from one invoice at any point in its payment cycle (restrictions apply).You continue to manage collections and customer relationships directly.
Use it when cash flow needs it, and step away when you don't.
As independent brokers, we compare selective invoice finance and spot factoring providers to find the flexibility that fits your business, without locking you into a facility you don't need all year round.
We arrange your finance, so you can stay focused on running your business.
We place you with the right funder first time.
We can negotiate better rates than if you went direct to the lenders.
Funds can be released the same day from your invoices.
Can be better value than overdrafts and loans.
Easy to use online systems integrate with how you already invoice.
Use it as much or as little as your business needs.
Please reach us if you cannot find an answer to your question.
No. Selective invoice finance is a mainstream funding option, and using it on specific invoices or debtors is not a red flag to customers.
It's often more cost effective than a full ledger facility, since there are no minimum fees or long-term contracts, you simply pay for what you use.
No. Selective invoice finance is designed to work alongside your current banking facilities and relationships, rather than replacing them.
No physical security is required beyond the invoice being funded.
This facility suits businesses that only need to fund cash flow occasionally, perhaps around one large customer, a seasonal spike, or a single big invoice, rather than businesses that need ongoing funding across their whole ledger.
Get in touch for a free, no obligation comparison of selective invoice finance and spot factoring options.
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Simply Invoice Finance is a trading style of Goodman Corporate Consultancy Limited, an independent commercial finance broker, not a lender. As such, we can introduce you to a wide range of finance providers depending on your requirements and individual circumstances. We are not independent financial advisors and are unable to provide independent financial advice. We typically receive payment or other benefits from the finance provider if you decide to enter into an agreement with them.
Goodman Corporate Consultancy Ltd is authorised and regulated by the Financial Conduct Authority, No. 733340.