Can I Use Invoice Finance Temporarily or Is It Long-Term?
Most facilities are 12-month contracts, but selective/spot factoring lets you finance individual invoices with no ongoing commitment. Some independent providers offer rolling 30-day or 3-month terms. If you only need short-term help, selective factoring or a provider with flexible terms is the way to go.
OM
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 15 April 2026