Single Invoice Finance UK 2026

Single invoice finance funds one specific invoice without committing your whole sales ledger or signing a minimum-term contract. The advance rate is the same as whole-book facilities (typically 80% to 90%), the service charge is higher (2% to 4% all-in versus 0.3% to 1.5% on whole-book), and the setup is faster: 24 to 72 hours for first funding. UK providers writing single-invoice and selective facilities in 2026 include Kriya, Triver, MarketFinance Selective, Optimum and several whole-book providers offering one-off facilities for existing relationships. MarketInvoice routes single-invoice requests to the right specialist in two minutes, free.

How single invoice finance works

You submit one invoice for funding. The provider verifies the debtor (does this customer pay reliably), advances 80% to 90% of the gross invoice value within 24 to 72 hours, and recovers the funds plus the service charge when the customer pays. You repay the provider out of the customer payment; the funded portion plus charge clears the facility for that invoice. No further commitment.

Each invoice is underwritten as its own credit decision. Unlike whole-book facilities (where the provider underwrites your ledger and customer mix once, then funds every subsequent invoice), single-invoice providers re-decision per invoice. This is what makes the per-invoice cost higher; it is also what makes the model flexible.

When single invoice finance is the right product

• One large lumpy contract: A subcontractor billing one main contractor £200k on a 60-day net, with no other large invoices to fund. Whole-book overhead is wasted; single invoice fits.
• Seasonal or project-driven business: Businesses with intermittent invoice flow rather than a steady ledger. Funding one invoice when cashflow is tight is cheaper than a year-round facility you under-use.
• Trial before whole-book: You want to test a provider relationship before signing a 12-month facility. Single invoice is the entry point that lets you fund one invoice, see the experience, then commit (or not).
• Confidentiality on one specific debtor: Some businesses prefer not to assign a whole ledger to a finance provider. Single-invoice can be structured confidentially, where the customer never knows their invoice was financed.
• Bad-credit periods without whole-book viability: A business with recent credit issues may not qualify for whole-book invoice finance but can still get individual large-debtor invoices funded by selective providers underwriting the debtor, not the supplier.

When whole-book is cheaper

Single-invoice service charges run 2% to 4% all-in per invoice. Whole-book facilities run 0.3% to 1.5% service charge plus discount charge on the days actually advanced. If you fund more than five or six invoices a year, the whole-book maths usually wins; the higher per-invoice cost on selective stacks up faster than the small monthly minimum on a whole-book facility.

Whole-book also handles small invoices more cleanly. Single invoice providers usually have a minimum invoice value (£5,000 to £25,000); a ledger of small invoices below that threshold is whole-book territory.

UK single invoice finance providers 2026

• Kriya (Allica Bank): 24-hour selective single-invoice funding for UK SMEs. Fintech-native onboarding. Strong on digital B2B and SaaS ledgers.
• Triver: Single-invoice selective specialist for UK contractors and project-driven businesses. API-first; integrates with accounting software.
• Bibby Financial Services: Offers selective facilities for existing whole-book relationships and large-debtor one-offs in their specialist sectors (construction, recruitment, marine).
• Optimum Finance: Selective single-invoice option alongside whole-book; useful for SMEs in their core sectors who want a one-off trial.
• Ultimate Finance: Whole-book provider that handles single-invoice for existing relationships and case-by-case new customers.

Related

• Compare all UK invoice finance providers
• Best confidential invoice discounting
• Best for construction
• Kriya review

Last reviewed: 2026-05-22. Service charge ranges and setup times reflect public-published 2026 indicative pricing. The rate quoted to your business will depend on debtor profile, invoice value, sector and trading history.