Selective vs Whole-Book Invoice Finance Cost Calculator UK

Calculate which structure is cheaper for your business: selective spot factoring (per-invoice fees, no commitment) or whole-book invoice finance (lower per-pound cost, 12-month commitment).

Calculator

Annual turnover (£)

% of ledger you want funded

Selective fee per invoice (%)

Whole-book service charge (%)

Cheaper option for you

Whole-book invoice finance

Selective annual cost£4,000

Whole-book annual cost£3,400

Whole-book invoice finance is £600/year cheaper for your usage pattern. Worth committing to a 12-month contract for the saving.

What this tool tells you

Calculate which structure is cheaper for your business: selective spot factoring (per-invoice fees, no commitment) or whole-book invoice finance (lower per-pound cost, 12-month commitment).

All UK invoice finance providers serve businesses across the full UK. The numbers above are typical UK market rates for selective vs whole book invoice finance UK. For real quotes matched to your specific business, use our 60-second comparison tool.

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