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Selective invoice finance
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Cash flow challenge: I only want to finance certain invoices - not my whole ledger.
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Perfect for: Businesses that need occasional funding, want to free up cash from large invoices, or are trialling invoice finance for the first time.
Selective invoice finance gives you full control - choose which invoices to fund and when. No ongoing obligation, no need to hand over your entire ledger.
We compare providers, help you apply, and make sure you get the right deal for your needs.
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Pages in this SectionWhat is selective invoice finance?
Selective invoice finance allows you to release cash from individual invoices on your terms.
You choose when to use it, which invoices to fund, and how often you draw down finance. There’s no commitment to fund your full sales ledger and no monthly minimums or contracts.
It’s ideal for businesses with irregular cash flow, high-value clients, or seasonal needs.
How it works with Novuna Business Cash Flow
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Tell us about your invoice values and funding frequency
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We compare providers and recommend a great fit for your situation
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You apply - with full support from a cash flow expert
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Get funded fast - without handing over control of your full ledger
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is selective invoice finance right for you?
You want to choose which invoices to fund and when
Selective invoice finance gives you the flexibility to raise funds only against specific invoices, as needed.
You don’t need a full facility or long-term contract
It’s ideal for businesses that want short-term funding without being tied into ongoing agreements.
You have occasional cash flow gaps linked to specific invoices
Perfect for covering one-off or seasonal gaps without committing to regular borrowing.
If that sounds like your business, we’ll help you compare providers and get funded fast.
Novuna can support businesses with a range of funding challenges
I want to release cash from my unpaid invoices
I want a confidential facility with full ledger control
I want a one-off facility to free up cash quickly
I want protection if my customer doesn’t pay
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
We compare multiple providers to get you a great deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
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 fast
Get access to finance quickly so you can focus on your business.
Why take action now
Use selective invoice finance on your terms when you need it most
Unlock cash without committing to a long-term contract
Ideal for trialling invoice finance with less risk
Novuna helps you compare the right providers and apply with confidence
Why choose Novuna Business Cash Flow?
Why businesses trust us with selective invoice finance
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 selective invoice finance looks like in your sector
Get advice tailored to the challenges in your industry
What is selective invoice finance?
Selective invoice finance lets businesses release cash from specific invoices rather than their entire sales ledger. It provides flexible access to working capital without committing to a long-term facility, helping manage short-term cash flow needs.
How does selective invoice finance work?
You choose one or more customer invoices to fund. The lender advances up to 90% of the invoice value, providing immediate cash flow. Once your customer pays, the remaining balance (minus fees) is released to you.
Is selective invoice finance a one-off facility?
It can be - or you can use it multiple times. You’re in control of how often you draw down and which invoices you finance.
How is it different to invoice factoring or discounting?
With selective invoice finance, you’re not required to hand over your full ledger. You pick individual invoices to fund - offering greater flexibility.
What are the benefits of selective invoice finance?
- Control over which invoices to fund
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Fast access to working capital, often within 24 hours
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No long-term contracts or full-ledger commitments
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Improved cash flow during busy or seasonal trading periods
