FINANCE OPTIONS

^Selective Invoice Finance Ireland - Get a Quote

Q: How much can I borrow with Selective Invoice Finance?

Funding typically ranges from £10,000 up to £2 million per invoice. The exact amount will depend on your business turnover, the invoice size, and the reliability of your debtors. Lenders usually advance 70 to 90 percent of the invoice value.

Q: How quickly can I access funds?

Lenders generally provide an initial decision within 1 to 3 business days, and once approved, funds may be transferred to your account within 1 to 5 business days, depending on documentation and lender processing times.

Q: What are the typical costs of Selective Invoice Finance?

Typical rates are between 1.5 percent to 3 percent of the invoice value. Rates are influenced by your customers' creditworthiness, invoice size, business turnover and may include service or administration fees varying by provider.

Q: What types of Selective Invoice Finance are available?

Options include Spot Factoring for individual invoices, Invoice Discounting where you handle collections, and Invoice Auction which allows competitive bidding for high-value receivables.

Selective Invoice Finance allows businesses to unlock cash from specific unpaid invoices by selling them at a discount to a finance provider. This targeted approach helps you address cash flow gaps as they arise, without tying up your full sales ledger. By choosing which invoices to fund, you maintain more control over your finances. Businesses often use Selective Invoice Finance to accelerate working capital, reduce debtor days and manage ongoing operational costs more effectively.

Selective Invoice Financing

Secure up to £1,000,000 in Selective Invoice Financing with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Selective Invoice Finance

Selective Invoice Finance provides UK SMEs greater flexibility and control over their cash flow. You can access funding quickly, only when needed, and on invoices that matter most. Competitive rates and fast decisions make it a practical solution for smoothing out payment gaps with less commitment than full ledger finance.

Improved cash flow

Flexibility in financing

Reduced financial stress

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Selective Invoice Finance

Spot Factoring

Spot Factoring lets you pick specific invoices to fund, ideal for businesses with irregular cash flow patterns or that do not want to commit their full ledger.

Spot Factoring

Spot Factoring allows you to select single or a few invoices to sell to a finance provider. Receive an advance of 70 to 90 percent of the invoice value, typically within 1 to 3 business days. This subtype suits manufacturers, service providers, and wholesalers that experience occasional cash flow gaps due to delayed client payments. No minimum turnover is required, making it widely accessible for many UK businesses.

Invoice Discounting

Invoice Discounting provides fast funding while allowing you to retain control over customer collections, suitable for established SMEs with quality clients.

Invoice Discounting

This option lets you raise finance using specific invoices, while you continue managing customer payments. Advances can range from £50,000 to £2 million per invoice, with decisions usually within 1 to 2 weeks. Invoice Discounting best fits businesses like construction or recruitment agencies where maintaining operational liquidity is a key priority, and relationships with customers are important.

Invoice Auction

Invoice Auction enables you to auction high-value invoices on an online platform, giving access to competitive funding offers from multiple funders.

Invoice Auction

For SMEs with large invoices from reputable debtors, Invoice Auction provides an online marketplace where funders bid to offer the best rate. This approach is typically used by technology, media, or consultancy firms looking to quickly release funds from significant receivables. Auctions close within 1 to 2 business days, with upfront funding provided soon after the winning bid.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent Helps You Secure Invoice Finance

Provide Invoice Details

Submit the invoices you want to finance, along with relevant customer details and business financials, through our online application form using our online system.

Compare Lenders

Receive tailored finance quotes from a panel of lenders and select the provider that best matches your business goals and cash flow needs.

Receive Funds

Once approved, you finalise the agreement and funding is transferred swiftly to your business bank account, ready to use.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with Selective Invoice Finance?

How quickly can I access funds?

What are the typical costs of Selective Invoice Finance?

What types of Selective Invoice Finance are available?

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July 22, 2025

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^Selective Invoice Finance Ireland - Get a Quote

Key ^Benefits of Selective Invoice Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Selective Invoice Finance

Spot Factoring

Spot Factoring

Invoice Discounting

Invoice Discounting

Invoice Auction

Invoice Auction

Typical Funding Journeys on Funding Agent