Spot Invoice Finance – On-Demand Funding for One-Off Invoices
Get fast, flexible cash from a single invoice — no contracts, no ongoing obligations, just the funding you need when you need it. Perfect for businesses that need occasional liquidity without committing to a full facility.
How It Works
Choose a Single Invoice
Select one specific invoice you want to fund — no need to commit your entire debtor book to a facility.
Submit for Funding
The funder verifies the invoice and advances up to 85–90% of its value within 24 to 48 hours.
Your Customer Pays
Your customer pays the funder directly. The remaining balance minus the fee is then released to you.
No Ongoing Commitment
Once the invoice is paid, the arrangement ends. Use spot finance again whenever you need — entirely on your terms.
Key Benefits
- No long-term contracts or ongoing facility
- Fund a single invoice at any time
- Fast — funds often within 24 to 48 hours
- Simple, straightforward application
- No minimum monthly invoice volume required
- Available to startups and SMEs alike
Spot Finance — Who Qualifies?
Spot finance suits businesses with occasional large invoices, seasonal cash flow gaps, or those who don't want a full ongoing facility. It's also ideal for businesses new to invoice finance who want to try it with no long-term commitment.