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Spot Invoice
Waiting 30, 60 or even 90 days for customers to pay can put unnecessary pressure on your cash flow. Spot invoice finance allows you to unlock the value of a single invoice and receive funds quickly, helping you keep your business moving.
Instead of waiting for payment, you can release cash tied up in unpaid invoices and access the working capital you need to pay suppliers, invest in growth, or manage day-to-day expenses.
Invoice finance works by advancing a percentage of the invoice value upfront, with the balance released once your customer pays the invoice.
What is spot invoice finance?
Spot Invoice Finance (sometimes called single invoice finance) allows businesses to raise funding against individual invoices, rather than committing to financing their entire sales ledger.
This makes it a flexible solution for businesses that only need funding occasionally or want to maintain control over most of their invoices.
It’s ideal if you:
- Need fast access to cash from a large invoice
- Want to improve short-term cash flow
- Prefer not to commit to long-term finance agreements
- Want to fund selected invoices rather than your whole ledger
By using unpaid invoices as security, businesses can access a percentage of the invoice value almost immediately, with the remaining balance paid once the customer settles the invoice
Is spot invoicing right for your business?
Spot invoice finance is particularly suitable for businesses that:
- Invoice other businesses on credit terms
- Occasionally experience cash flow gaps
- Have large invoices that take time to be paid
- Want flexible funding without long-term contracts
Because the funding is secured against invoices rather than physical assets, it can often be more accessible than traditional lending options.
NGI Finance: Why work with us
At NGI Finance, we make accessing spot invoice finance simple and straightforward. Our experienced team helps match your business with flexible funding solutions from a panel of lenders, offering fast, transparent support from enquiry through to funding, tailored to your needs.
Interested in more of our invoice finance solutions?
Explore some of our other options:
Explore some of our invoice finance blogs
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