Get fast access to cash from a single unpaid invoice with single invoice finance (also known as spot factoring).
If you have one large customer invoice sitting unpaid and need the money now — without committing to a full invoice finance facility — single invoice finance is designed for exactly that situation.
Rather than financing your entire sales ledger on an ongoing basis through traditional invoice factoring or invoice discounting, you can release a high percentage of one specific invoice on a one-off or selective basis.
As independent commercial finance brokers and proud NACFB members, we compare specialist lenders across the UK to find the most suitable single invoice finance and spot factoring facilities for your circumstances — with free, no-obligation quotes and zero broker fees.
What is Single Invoice Finance (Spot Factoring)?
Single invoice finance, spot factoring and selective invoice finance all refer to the same flexible product.
You choose one (or a small number of) unpaid B2B invoices and sell them to a finance provider in return for an immediate cash advance — typically 70–95% of the invoice value. Once your customer pays the invoice, the balance (less fees) is released to you and the arrangement ends.
There is usually no long-term contract, no minimum monthly volume and no requirement to finance every invoice going forward. This makes it ideal when you only need funding occasionally, for a particularly large order, or while you wait for a full facility to be put in place.
How Single Invoice Finance Works
The process is straightforward:
- You raise the invoice to your customer in the normal way (usually on 30–90 day terms).
- You submit the invoice details to us. We approach specialist single invoice and spot factoring lenders.
- The lender assesses the creditworthiness of your customer (the debtor) and verifies the invoice.
- Once approved, you receive an advance — often within 24 hours — of a high percentage of the invoice value.
- Your customer pays the invoice (either to the lender or, in confidential arrangements, to you). The remaining balance is paid to you after deduction of the agreed fee.
Funding is available from as little as £1,000 up to £1 million+ on a single invoice, depending on the strength of the debtor.
Key Benefits of Single Invoice Finance & Spot Factoring
One off single invoice financing and spot factoring can give you quick access to cash tied up in unpaid B2B customer invoices.
It may be that you have a one off large order or just don’t want to commit to a contract or ongoing revolving credit facility.
- No long-term contract - use it only when you need it
- No minimum turnover or trading history required by many lenders
- Fast funding - money in your account in as little as 24 hours
- Flexible - finance one invoice or selected invoices on an ad-hoc basis
- Bad credit & CCJs considered - decisions based on the quality of invoices and debtor
- Wide funding range - £1,000 to £1 million+
- Choice of disclosed or confidential options
- Zero broker fees - we are paid by the lender
- UK-wide cover - England, Wales, Scotland and Northern Ireland
Who is Single Invoice Finance Suitable For?
Single invoice finance works particularly well for:
- New start-ups and recently incorporated businesses
- Fast-growing companies with occasional large orders
- Project-based or seasonal businesses
- Companies that only need funding for one or two large invoices
- Businesses that have been declined for traditional invoice finance
- Firms with imperfect credit history but strong commercial invoices
- Anyone who wants to test invoice finance without a long-term commitment
If your business trades B2B and issues credit terms, single invoice finance can release cash that would otherwise be locked up for weeks or months.
Eligibility – Can My Business Qualify?
Most UK limited companies, partnerships, LLPs and sole traders that:
- Trade B2B
- Issue invoices on credit terms
- Have invoices from creditworthy customers
can be considered. There is often no minimum turnover or length of trading requirement. Decisions are driven primarily by the quality of the invoice and the debtor.
Ring 0161 5469128 or Apply Now
Types of Single Invoice Finance Available
There are a number of different single invoice finance products and providers on the market, with some different features. One or more may be available dependant on your businesses circumstances and sector.
Spot Factoring / Single Invoice Factoring
You sell one or more specific invoices. The arrangement is usually disclosed to your customer and the lender may assist with collections. Fees are typically charged as a percentage of the invoice value or a fixed fee.
Single Invoice Discounting
A confidential option. Your customer is not notified and you continue to manage your own credit control and collections. Suitable for more established businesses that prefer to keep the arrangement private.
Selective / Ad-Hoc Facilities
Some lenders allow you to set up a light-touch facility so you can submit further invoices in the future without a new application each time, while still avoiding the commitments of a full revolving facility.
We will explain the differences and match you with the most appropriate product for your needs.
One Off Invoice Factoring UK
Finance a single invoice on a one off basis for a fixed fee.
Ring 0161 5469128 or Apply Now
How Much Does Single Invoice Finance Cost?
Fees for single invoice finance and spot factoring are generally higher than those for whole-ledger invoice finance facilities because of the flexibility and the one-off nature of the transactions.
Charges are usually expressed as:
- A percentage of the invoice value, or
- A fixed fee, or
- A daily/monthly rate for the period the funds are outstanding
The exact cost depends on the invoice value, the credit strength of your customer, the payment terms, your industry and the lender. As independent brokers we obtain multiple quotes so you can compare true costs side by side.
There are no broker fees payable by you for arranging single invoice finance.
Why Use Bolton Business Finance?
We are independent commercial finance brokers specialising in invoice finance solutions, including single invoice finance and spot factoring.
- Access to a wide panel of specialist single invoice and spot factoring lenders
- Free, no-obligation quotations
- Zero broker fees on invoice finance
- Fast turnaround and personal service
- NACFB member — we follow a strict Code of Practice
- Cover for businesses throughout England, Wales, Scotland and Northern Ireland
- Experience helping companies of all sizes, including those with imperfect credit
We work for you, not the lender. Our role is to find the most competitive and suitable facility and guide you through the process.
Ring 0161 5469128 or apply online for a free quotation.
Apply For Single Invoice Factoring UK
Complete the short form below and one of our experienced brokers will contact you promptly to discuss your requirements and arrange free, no-obligation quotations from specialist lenders.
Your business must be based in the UK. We cover England, Wales, Scotland and Northern Ireland.
Single Invoice Finance FAQ
Single invoice finance (also called spot factoring or selective invoice finance) allows you to release cash from one specific unpaid B2B invoice without entering a long-term facility or financing your entire sales ledger.
Yes. The terms single invoice finance, spot factoring and selective invoice finance are used interchangeably in the UK market.
In many cases funds can be in your account within 24 hours of the lender approving the invoice.
No. Most single invoice and spot factoring arrangements are one-off or selective with no ongoing commitment.
It depends on the product. Factoring facilities are usually disclosed; discounting facilities can often be kept confidential.
Yes. Many lenders focus on the strength of the invoice and the creditworthiness of your customer rather than your own credit history.
Facilities commonly start from around £1,000, although this varies by lender.
Yes. We arrange facilities for businesses in England, Wales, Scotland and Northern Ireland.
Fees are typically a percentage of the invoice value or a fixed charge. Because the product is flexible, rates are usually higher than traditional whole-ledger invoice finance. We obtain multiple quotes so you can compare costs.
As independent brokers we have access to multiple specialist lenders, can negotiate on your behalf, and charge you no broker fees. You benefit from choice and competitive pricing without extra cost.