Single Invoice Finance UK 2026
Single invoice finance funds one specific invoice without committing your whole sales ledger or signing a minimum-term contract. You usually pay more per invoice than on a whole-book facility, but there is no long contract and you only pay on the invoices you fund. Each lender sets its own fee. Hydr, for example, charges a flat fee per invoice and says it can set you up the same day or within one working day (hydr.co.uk, as recorded on our Hydr profile). Triver also funds single invoices, and some whole-book lenders do one-off deals for customers they already work with.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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Single invoice finance funds one invoice at a time with no whole-book commitment. UK providers include Hydr and Triver. The fee per invoice is usually higher than on a whole-book facility, and each lender sets its own. Hydr charges a flat fee per invoice. More detail + scope
This page covers
UK single invoice finance, selective invoicing, spot factoring; comparison with whole-turnover invoice finance facilities
Not covered here
Whole-turnover invoice discounting and factoring (see compare-invoice-finance and best-confidential-discounting pages)
How single invoice finance works
You submit one invoice for funding. The provider verifies the debtor (does this customer pay reliably), advances part or all of the invoice value, 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. You can fund one invoice to test a provider before signing a longer facility.
- 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
A single-invoice fee is usually higher per invoice than the charges on a whole-book factoring or invoice discounting facility, where you pay a service charge plus a discount charge on the money you use. Our guide to invoice finance costs explains both. If you need to fund invoices most months, ask for a whole-book quote too and compare the total cost over a year.
Whole-book also handles small invoices more cleanly. Some single-invoice lenders set a minimum invoice size, so a ledger of many small invoices can suit a whole-book facility better. Ask each lender for its minimum.
UK single invoice finance providers 2026
- Hydr: Funds single invoices for a flat fee per invoice, with no minimum turnover. See our Hydr profile.
- Triver: Funds the invoices you choose and connects to Xero, QuickBooks or Sage. It charges from 0.06% a day, about 1.8% on a 30-day invoice, with a minimum charge of 10 days' fees (at least £18) (triver.com, read 14 Oct 2026). See our Triver profile.
- Whole-book lenders: Some will fund a one-off invoice, often for businesses they already work with. Ask your current lender before you shop around.
Related
- Compare all UK invoice finance providers
- Best confidential invoice discounting
- Best for construction
- Hydr review
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