FINANCE OPTIONS

^Spot Invoice Finance - Get Funding Today

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

You can typically finance invoices ranging from £5,000 up to £1,000,000. The maximum available depends on the value of the invoice, your customer’s credit rating, and your business’s trade history.

Q: How quickly can I get a decision and funding?

Most lenders make a decision within 24 to 48 hours of receiving your application. Once approved, funds are generally released within three business days, depending on invoice and customer verification.

Q: What fees or rates apply to Spot Invoice Finance?

Fees typically range between 1.5% and 5% of the invoice value per month. Additional charges, like setup or service fees, may also apply and will depend on the lender’s terms and your customer’s credit risk.

Q: Is Spot Invoice Finance regulated in the UK?

Yes, lenders providing Spot Invoice Finance are regulated by the Financial Conduct Authority (FCA) and adhere to strict anti-money laundering and know your customer regulations in the UK.

Spot Invoice Finance enables UK SMEs to quickly release cash from specific unpaid invoices by selling them to a lender. This product helps businesses avoid waiting out long customer payment terms and provides faster access to working capital when it is most needed. Typical benefits include immediate cash access, improved business cash flow, and choosing exactly which invoices to finance. Spot Invoice Finance offers flexibility for managing urgent bills or capitalising on growth opportunities without a long-term commitment.

Invoice Financing

Secure up to £1,000,000 in 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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^Benefits of Spot Invoice Finance

Spot Invoice Finance gives businesses rapid access to funds by converting invoices into cash. By choosing which invoices to fund, companies gain flexibility and control over their finances. Fast approval times, transparent fee structures, and improved cash flow are key benefits for UK SMEs using this solution.

Improves cash flow

Quick access to funds

Flexibility for businesses

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Spot Invoice Finance

Selective Invoice Finance

Finances individual invoices for businesses with reliable UK customers. Funds up to 85% of invoice value, typically from £10,000 to £500,000, with terms of 1 to 3 months.

Selective Invoice Finance

Selective Invoice Finance suits businesses wanting to finance only certain invoices, often to manage gaps caused by long payment terms. After submitting invoice details and client information, lenders review and advance most of the value. This is commonly used by B2B services, manufacturers, or wholesalers that need cash flow without tying up all invoices.

Single Invoice Finance

Provides funding for a single large invoice, usually from a substantial client. Amounts typically range from £5,000 to £250,000, with terms set by the invoice due date.

Single Invoice Finance

Single Invoice Finance is designed for SMEs dealing with large, one-off invoices. After choosing an invoice, the business submits details to the lender for assessment. Approval usually takes 1 to 2 business days, making this ideal for responding to exceptional opportunities or project-based needs.

Invoice Trading Platforms

Online platforms allow businesses to list multiple invoices and receive competing bids from different lenders. Invoice values can go up to £1,000,000.

Invoice Trading Platforms

Invoice Trading Platforms give access to a wider network of finance providers, offering competitive rates and more flexibility. By listing invoices online, businesses receive bids from lenders keen to work with them, making it easier to optimise cash flow based on changing needs and seasonality.

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 to Access Spot Invoice Finance with Funding Agent

Submit a Request

Provide Funding Agent with your business details and the invoice you wish to finance through our online application form so we can match you to appropriate lenders.

Compare Offers

Review a range of tailored offers from vetted lenders, ensuring you select the right terms for your business and invoice.

Receive Funds

Accept your preferred offer, complete any required documentation, and get your funds released quickly to your account.

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 Spot Invoice Finance?

How quickly can I get a decision and funding?

What fees or rates apply to Spot Invoice Finance?

Is Spot Invoice Finance regulated in the UK?

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July 22, 2025

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^Spot Invoice Finance - Get Funding Today

^Benefits of Spot Invoice Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Spot Invoice Finance

Selective Invoice Finance

Selective Invoice Finance

Single Invoice Finance

Single Invoice Finance

Invoice Trading Platforms

Invoice Trading Platforms

Typical Funding Journeys on Funding Agent

How to Access Spot Invoice Finance with Funding Agent

Submit a Request

Compare Offers

Receive Funds

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

What Is Invoice Finance? A Smart Way for UK SMEs to Improve Cash Flow

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