Single Invoice Finance: Helping you get large invoices paid faster

A big order can become a problem - unless you have funding that lets you get paid as fast as you work

Speak to one of our experts020 4525 5312

4.4 out of 5 stars on Google!
Our customers trust Rangewell.

Google reviews

Funding options



  • Funds advanced as you issue large invoices
  • 90% of invoice value immediately
  • Funds in your bank with 24 hours
  • Balance when client pays

Versatile B2B solution

  • Ideal for B2B deals
  • Reduce financial risk
  • Ideal for supporting growth
  • Improved cashflow

Building growth

  • Supports growth
  • Helps SMEs work with large corporations
  • Supports high value orders
  • No impact on other credit arrangements

Talk to Rangewell – the business finance experts

We know that a major order can become a major cashflow problem if your customer is slow to pay. Fortunately, we know the lenders will provide funding as soon as you complete a major order

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

Call us020 4525 5312
ScheduleArrange a call-back

There are many types of Invoice Finance, designed to help your business expand, grow and solve cashflow challenges – by helping you get paid faster.

Table of Contents

They all allow businesses to get advances on the cash they are due from customers, without having to wait for those customers to pay. Instead of waiting 30 or 60 days, or even longer with large corporate customers, it can let you get the funding you need as soon as the work is done.

Some Invoice Finance solutions mean that you use all your invoices to raise cash. Single Invoice Finance provides an alternative approach - and lets you decide which invoices you use to raise the funds you need.

What is Single Invoice Finance?

Traditional Invoice Finance facilities provide funding against the entire sales ledger. Single Invoice Finance, also known as Spot Invoice Finance, allows you to release cash from individual invoices.

It is a form of finance that leaves you in control and lets you raise funds as you need them.

It allows you to raise up to 90% of the selected invoice’s value within 24 hours, providing you with a fast and effective way to access funding. It could be particularly suitable if your business has no long-term funding requirement, but may be faced with customers with high-value orders and long credit terms, which could leave you with a temporary cash flow shortfall.

How Single Invoice Financing works

Single Invoice Finance provides cash advances, with your invoices as the security, for the lending company to use as the basis for advancing you the money. They can release 75-90% (depending on your arrangement) of the invoice value immediately, with the remainder, less their costs to be released when your customer pays. With a Single Invoice Finance arrangement, you determine which invoices you wish to use as the basis for a cash advance. This lets you use the facility strategically to meet your business needs.

You can select invoices from clients you know will take a long time to pay. By getting payment immediately, you can improve your cashflow.

You can select only those invoices above a certain value, giving you increased working capital.

You can increase the numbers of invoices you select for financing, allowing you to increase funds available for growth or other specific expenses.

Being able to only select those invoices you wish to gain funding against can enable you to control cashflow, without embarking upon a longer-term contract.

The finance company earns money both from the interest rate it charges on the loan and from a monthly fee to maintain the arrangement. The amount of interest that it charges the borrower is based on the amount of funds loaned.

Benefits of Single Invoice Finance

Single Invoice Finance can reduce the financial risks your business faces. Because all cash advanced is secured on invoices you have already issued, it avoids the danger that you will fall behind with loan repayments which is always present with traditional commercial finance. It means:

  • Improved cash flow with fast access to the cash you have already earned, but which is tied up in unpaid invoices - you no longer have to wait 90 days or more to get paid
  • Versatile - provides a source of cash you can use as you need it
  • Flexible - you won’t be committed to any funding facility or contract
  • Ideal for high-value invoices or customers with long payment terms
  • Funding is based on your customers’ creditworthiness – not yours
  • Get 90% of invoice value as soon as you bill your customers
  • Cleared funds can be in your account the day after you invoice
  • Ideal for high-profit businesses that are growing and need the cash flow to fund additional growth
  • Provides capital for your business, without having to sacrifice equity

Selective Invoice Discounting and Spot Factoring

Selective Invoice Discounting and Spot Factoring are both types of Single Invoice Finance, and work in a similar way. Both allow your business to assign individual invoices to a lender and receives a percentage of the funds without waiting for the end customer to pay.

Invoice Discounting lets you keep control of your sales ledger and your client relationships, while Spot Factoring will allow the lender to take control of ensuring the invoice is paid.

Is Single Invoice Finance right for your business?

Single Invoice Discounting can be effective for companies with relatively high profit margins, since they can readily absorb the higher interest charges associated with this form of financing. It can, therefore, be ideal if you have an annual turnover above £500,000 and an established credit control system in place.

Great for high-value invoices or those with long payment terms that you would not necessarily have the ability to fulfil without instant access to the cash.

Unlike bank overdrafts and traditional forms of lending, Invoice discounting is a flexible facility that grows with your business. It enables you to quickly inject capital, without having to deal with banks or sacrifice equity.

Funding is based on your customers’ creditworthiness, which can be particularly beneficial if you’re newly starting out or your business has a weak credit history.

Financial solutions from Rangewell

The rates and terms offered by invoice discount providers vary. You need expert help to get the most competitive provider for your business type, your sector and your turnover.

At Rangewell, we can use our finance expertise to support your business – and ensure that you have the financial solutions you need - from single invoice finance to purchase order finance and more. We can help source business lenders who can provide solutions tailored to your sector - reducing your costs, and helping you have more funds to operate and grow your business.


  • Find finance to let a shoe company use a large order to fund their expansion plans

  • Help arrange funding for a bathroom fitting company with an order from a major developer

  • Find an arrangement for a plastics company supplying a motor manufacturer

  • Source funding for a furniture manufacturer to support expansion plans

  • Arrange funding for an electronics manufacturer with a large government order

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Get paid faster
    Instead of waiting for customers to pay within their normal credit terms, with Single Invoice Finance you receive cash almost as soon as you issue the invoice, accelerating cash flow from customers.
  • A confidential service
    You control how you use your single invoice finance facility. There is no need to notify customers of the discounting arrangement.
  • Supporting your growth
    Single Invoice Finance can support your growth, by providing instant access to cash whenever you have dispatched a large order.
  • Choice
    You can choose the invoices you select for finance, keeping you in control of your costs and your client relationships.
  • Flexible funding
    With Single Invoice Finance you can call on advances as and when you need them.
  • Fast
    Once set up, Single Invoice Finance can provide one of the fastest growing forms of commercial borrowing, both for SME's and mid-size corporates.

Download Rangewell’s free and detailed guide to Invoice Finance

Ebook tablet
Rangewell Ebook - Download Rangewell’s free and detailed guide to Invoice Finance

Download your Rangewell Business e-Book

Available in ePub, mobi and .pdf format

By clicking "Get your copy now" you agree to Rangewell'sTerms and Conditions and Privacy Policy.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.