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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 where you choose which invoices to fund and when. No ongoing obligation needed and no need to hand over your entire ledger.
Compare selective invoice finance quotes compiled by the multi-award winning Novuna Business Cash Flow
Get paid in 24 hours if needed
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Rates from 0.5%
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Same day funding available
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Get up to 100% of invoice value
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Expert help to guide you through the process
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Call us on 020 4632 1977 to speak to a real cash flow expert. We’ll help you apply for the right type of finance and make sure you get a great deal for your business.
Or click 'Boost your cash flow' below to compare providers.
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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.
Instead of financing your entire sales ledger, you can choose specific invoices to fund when your business needs additional working capital.
A lender typically advances up to 70–90% of the invoice value upfront, with the remaining balance paid once your customer settles the invoice.
Selective invoice finance can be particularly useful for businesses that:
- Issue large individual invoices
- Experience seasonal or irregular cash flow
- Want short-term access to working capital
- Are testing invoice finance before committing to a full facility
Selective invoice finance vs other invoice finance options
Selective invoice finance vs invoice factoring
Invoice factoring typically requires businesses to finance their entire sales ledger, and the lender may also take over credit control. Selective invoice finance allows you to fund individual invoices only, giving you more flexibility.
Selective invoice finance vs invoice discounting
Invoice discounting is usually structured as an ongoing facility where a lender advances funds against your full invoice book. Selective invoice finance, on the other hand, allows you to choose which invoices to fund without a long-term commitment.
Benefits of selective invoice finance
Selective invoice finance offers several advantages for businesses needing flexible funding.
- Control over which invoices you fund
- Fast access to working capital, often within 24 hours
- No long-term contracts or full-ledger commitments
- Flexible funding for seasonal or irregular trading
- Unlock cash tied up in unpaid invoices
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
Lender of the Year 2026
Innovation in the SME Sector 2024
Best Provider 2023
Alternative SME Lender of the Year
SME Lender of the Year 2023
What selective invoice finance looks like in your sector
Get advice tailored to the challenges in your industry
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 quickly can funds be released?
Many selective invoice finance providers can release funds within 24 hours after invoice verification, helping businesses quickly unlock cash tied up in outstanding invoices.
Who is selective invoice finance suitable for?
Selective invoice finance is often used by businesses that issue large individual invoices, experience seasonal cash flow fluctuations, or want occasional funding without long-term contracts.
