One high-quality receivable with clear evidence
The chosen invoice is undisputed, fully delivered and owed by a credible B2B customer on a known payment date.
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 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.
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.
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.
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.
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2Draw the cashUp to 90% of that invoice is advanced to you, fast.
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3Payment arrivesYour customer pays as usual when the invoice falls due.
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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.
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.
Selective proof
Selective funding fits a specific invoice and a specific timing gap—not a permanently weak cash position.
A defined use for the released cash
The advance solves a short timing need such as payroll, stock or a supplier payment without requiring the whole ledger to be funded.
The customer payment closes the transaction
The route to repayment is the selected customer receipt, with no reliance on an unrelated refinance or speculative sale.
EB
Endrit Beqaj, Director
“Selective finance is strongest when the invoice, use of funds and repayment date can all be explained in one sentence.”
Evidence, not theory
An example structure.
Selective invoice finance use case
Timing gapEvidence-ledDirector review
The funding logic
The lender needs to see the asset being funded, the evidence that supports it and the route back to repayment.
FitRiskRepayment
What could weaken it
If the evidence is thin, the counterparty is weak or the repayment route is vague, the headline product label does not matter.
DisputesConcentrationTiming
BL
Bjorn Laku, Director
“Selective funding should solve a specific timing gap. If the selected invoice is carrying deeper business pressure, it will show in the evidence.”
Decision questions
Harder questions before choosing selective invoice finance.
What would make selective funding unsuitable?
A disputed invoice, weak debtor, consumer sale, very small ticket or a request unrelated to a real invoice.
What improves
the decision?
A strong debtor, undisputed invoice, clear delivery evidence and a narrow cash-flow requirement.
What should I prepare before applying?
The specific invoice, debtor details, due date, delivery evidence and reason for funding that invoice.
Lender judgement
What gets reviewed first.
EB
Endrit Beqaj: what I look for first
Before recommending selective invoice finance, I want to understand which invoices genuinely need funding and whether the selected customer risk is worth taking. If that cannot be explained clearly, the structure is probably not ready.
Before you apply
What we need to review selected invoices.
What speeds review
- The specific invoice or invoices to fund
- Purchase order, contract or delivery evidence
- Customer payment terms and contact details
- Any dispute, offset or contra information
- Reason the single invoice creates a timing gap
What slows or weakens the case
- A weak customer presented as a one-off opportunity
- Missing delivery evidence
- Invoices selected because the rest of the ledger is deteriorating
Lending judgement
When this is the wrong answer.
The most expensive funding mistake is forcing a product onto the wrong problem.
A clean refusal is better than a weak facility.
Why invoice finance gets declinedWeak debtors, disputed invoices and poor evidence beat optimistic turnover every time.Read →What makes a ledger attractiveRepeatable debtor quality matters more than a single large invoice.Read →What slows down bridgingExit, title, valuation and solicitor speed determine whether short-term funding is realistic.Read →
Prepare properly
Download the right checklist.
Preparation PDF
Selective invoice finance checklist
Use this before applying so the first conversation is specific rather than exploratory.Download PDF →Application prepWhat to prepare
A cross-product guide to references, evidence and secure document submission.Download PDF →Decision contextPricing and decisions
Review the commercial factors that affect pricing, availability and structure.Read guide →Plan with context
Understand the structure before you apply.
Compare options
Decision pages for common trade-offs.
Use these before applying if you are weighing one type of funding against another.
Cash flowFactoring vs
Invoice finance vs business loan
When to fund invoices rather than add fixed debt.
Compare →ControlFactoring vs
discounting
Choose between supported collections and confidential control.
Compare →PropertyBridging vs development finance
Understand when a bridge is enough and when a build facility is needed.
Compare →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.
Operational detail
Use it for a genuine one-off requirement
Selective funding is strongest where the chosen invoice is high quality, undisputed and supported by clear completion evidence.
Invoice quality
The debt must be valid, completed and capable of verification.
Debtor consent or notice
The structure may require acknowledgement or payment-direction controls.
Repeat use
Frequent selective use can signal that a whole-ledger facility needs to be assessed.