Spot Invoice Finance – Flexible, On-Demand Funding for UK Businesses

Need fast access to cash without long-term commitments? Fund a single invoice—on your terms.

Spot Invoice Finance, also known as Single Invoice Finance, is a flexible way to advance working capital from just one invoice—without contracts, minimum fees, or ongoing obligations.

Ideal for UK SMEs, start-ups, sole traders, and project-based businesses, this solution offers instant access to capital from £500 to £500,000. Choose when and what to fund—perfect for seasonal cash flow gaps, urgent costs, or one-off projects.

What is Single Invoice Finance
(Spot Finance) ?

Spot Invoice Finance lets you sell a single invoice to a finance provider in exchange for a cash advance—usually up to 85% of its value.

It’s fast, discreet, and puts you in control:

Submit one invoice online
Receive funds within 24 hours
Keep managing your client relationships
No long-term tie-ins or monthly minimums

For construction and contractual sectors, advance rates typically reach up to 70%, with same-day processing available.

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Key Features & Benefits

No contracts or monthly minimums
Same-day funding available
Use as needed—pay-as-you-go model
Invoices from £500+ eligible
Online portal linked to your accounts
Transparent pricing with no hidden fees
Dedicated account manager support

Key Features & Benefits

This solution is ideal for:

SMEs and Companies with irregular income
New start businesses needing occasional funding
Contractors or sub-contractors in construction or recruitment
Companies with project-based revenue cycles

If your business invoices on credit terms and needs flexible access to working capital —without the commitment of a full invoice finance facility — this could be the perfect fit.