{{article_summary}}
Spot factoring
-
Cash flow challenge: I need funding for a one-off invoice
-
Perfect for: Businesses looking for flexible, on-demand finance without long-term commitments.
Novuna helps you compare spot factoring providers, access cash from unpaid invoices, and apply with expert support.
Related funding options
Pages in this SectionWhat is spot factoring?
Spot factoring is a flexible form of invoice finance that allows your business to sell a single invoice to a finance provider in return for immediate cash without the need to commit to an ongoing facility.
It’s ideal for businesses that need working capital quickly but only want to fund one or two invoices, perhaps to cover a short-term cash flow gap, fulfil a large order, or bridge delays in payment.
Spot factoring is also known as single invoice finance or one-off invoice factoring.
How it works with Novuna Business Cash Flow
-
Tell us what you need funding for - complete a short form or call
-
We compare lenders offering flexible, one-off invoice finance
-
You apply with full support from a cash flow expert
-
Get up to 90% of the invoice value within 24-72 hours
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is spot factoring right for you?
You need funding against a single customer invoice
Spot factoring lets you raise cash from individual invoices without needing to finance your whole ledger.
You want flexible finance without contracts or commitments
It offers on-demand funding with no ongoing obligations or long term agreements.
You need cash fast to cover a short-term expense
Spot factoring provides quick access to funds, ideal for urgent or one-off cash flow needs.
If that sounds like your business, we’ll help you compare lenders and secure a facility that works for you.
Novuna can support businesses with a range of funding challenges
I need access to cash from unpaid invoices and support with managing late payments
I want to finance multiple invoices selectively
I want ongoing funding across my whole debtor book
I want to keep control of collections and stay confidential
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
Access spot factoring from a range of UK lenders, with transparent fees and no long-term contracts.
Choose the right type of invoice finance
We’ll help you decide whether a one-off facility or a longer term option suits your goals best.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises - just honest advice with no hidden fees.
Receive funding that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Use spot factoring to unlock cash when you need it most
Deal with a one-off expense without affecting longer term finances
Avoid unnecessary contracts or fees
Access fast, flexible cash flow relief without delay
Why choose Novuna Business Cash Flow?
Businesses trust us for spot factoring
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What funding looks like in your sector
Get advice tailored to the challenges in your industry
