Selective finance · explained simply

Fund one invoice. Commit to nothing else.

Choose a single invoice — or a handful — to turn into cash, with no whole-ledger facility, no long contract and no minimum-fee tie-in. Flexible funding for exactly when you need it.

The simple version

What is selective invoice finance?

Selective (or single-invoice) finance lets you raise cash against individual invoices you choose, rather than financing your entire sales ledger. You pick the invoice, draw most of its value up front, and pay a fee only on what you actually use. There’s no obligation to fund every invoice and no long-term commitment — it’s funding on your terms, when it suits you.

In short: it’s pay-as-you-go invoice finance. You use it for the invoice that matters, leave the rest alone, and only pay for what you draw.
In plain English
Selective / single-invoice finance

An on-demand facility that funds chosen invoices rather than the whole ledger. You receive up to 90% of a selected invoice’s value, with no whole-turnover commitment, no long tie-in, and a fee charged only on the invoices you fund.

Who it’s for

Who it suits best.

Selective finance is built for businesses whose funding needs are occasional, targeted, or simply don’t warrant a full facility.

Seasonal or lumpy cash flow

Your funding needs come in peaks — a busy quarter, a big delivery — rather than evenly across the year.

One large contract

A single big invoice is tying up most of your cash, and funding just that one solves the problem.

Flexibility, not a contract

You don’t want to commit your whole ledger or sign a long facility — you want to dip in when you need to.

One slow-paying customer

Most of your customers pay on time, but one large account drags — so fund just their invoices.

Trying invoice finance out

You’d like a low-commitment way to see how invoice finance works before considering a full facility.

Occasional gaps

You’re usually fine for cash, but the odd timing gap would be smoothed by funding a specific invoice.

The benefits

What it does for your business.

All the speed of invoice finance, with none of the whole-ledger commitment — you stay in control of what you fund.

Total flexibility

Fund what you want, when you want — and leave the rest of your ledger untouched.

Pay only for what you use

No minimum fees on a whole ledger; costs stay proportional to the invoices you actually fund.

No long tie-in

There’s no lengthy contract and no obligation to keep using it — it’s there when you need it.

Fast cash when it counts

Up to 90% of a chosen invoice, advanced quickly to plug a specific gap.

Control over your ledger

Keep the rest of your invoicing exactly as it is — you decide which invoices to involve.

A simple way to start

A low-commitment route into invoice finance that you can scale up later if it suits you.

How it works

Funding for the invoices you choose.

How selective finance works

Funding for the invoices you choose — and nothing more.
1Choose an invoiceSelect the single invoice (or few) you want to fund.
2Draw the cashUp to 90% of that invoice is advanced to you, fast.
3Payment arrivesYour customer pays as usual when the invoice falls due.
4Settle upThe balance is released, less a fee on just that invoice.
There’s no whole-ledger commitment and no long contract. Use it once, or whenever a gap appears — you stay completely in control.
Quick answers

Selective finance FAQs.

No — that’s the point. You choose which invoice or invoices to fund and leave the rest of your ledger alone.
No. Selective finance is designed to be low-commitment, with no lengthy tie-in and no obligation to keep using it.
You pay a fee only on the invoices you actually fund, so the cost stays proportional to what you use rather than your whole turnover.
Selective finance shines for occasional, targeted needs — a one-off large invoice or a seasonal spike. If you need funding across many invoices regularly, a whole-ledger facility is usually more cost-effective.
Once the invoice is approved you can typically draw up to 90% of its value within a day or two.