Selective invoice financing in Australia
Don’t let late invoices kill your cash flow – only pay on invoices you choose. Unlock the value of a selective invoice finance facility so you can invest in your business, fund growth without running out of cash, make payroll and take care of emergency expenses.
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Unlock Fast Cash Flow with Selective Invoice Finance
If you’re a business owner looking to improve cash flow without locking in your entire accounts receivable ledger, selective invoice finance in Australia could be the smart solution you’re looking for. This flexible funding option allows you to choose specific invoices to fund, giving you control over your finances while improving working capital.
What is Selective Invoice Finance in Australia?
Selective invoice finance, also known as single invoice factoring or spot invoice finance, is a type of invoice finance that allows you to receive funding against individual invoices rather than your entire accounts receivable ledger. This means you can choose which invoices you want to fund based on your cash flow needs.
How Does Selective Invoice Finance Work?
The process is simple:
- Choose the invoice you want to finance.
- Submit the invoice to a selective invoice finance provider.
- Receive up to 85% of the invoice value upfront, usually within 24–48 hours.
- When your customer pays the invoice, the lender forwards you the remaining balance, minus fees.
This option is ideal for businesses that want quick access to funds without being tied into long-term contracts or monthly minimums.
How Selective Invoice Financing Helps with Cash Flow
Long payment terms, especially in industries like manufacturing, wholesale, and transport, can strain your ability to meet payroll, purchase inventory, or seize growth opportunities.
By funding just one or a few invoices when needed, selective invoice finance allows you to:
- Bridge cash flow gaps
- Improve liquidity without taking on debt
- Avoid delays caused by late customer payments
- Take on bigger jobs or more clients with confidence
Whether you’re a small business or a growing enterprise, invoice finance Australia is a proven way to stay cash flow positive.
Can I Get Funding on a Single Invoice Only?
Yes. Unlike full ledger invoice factoring, where you need to submit your entire receivables ledger, selective invoice finance gives you the flexibility to fund just one invoice at a time.
This approach:
- Requires no long-term commitment
- Allows you to use finance only when you need it
- Gives you complete control over which invoices you finance
It’s an ideal solution for businesses with irregular funding needs or those that want to avoid encumbering their entire debtor book.
Difference Between Invoice Factoring and Selective Invoice Finance
Both options fall under the umbrella of invoice finance in Australia, but they operate quite differently.
Invoice Factoring involves financing your entire accounts receivable ledger. This type of finance may come with fixed fees and volume commitments, and it’s less flexible for businesses that only need occasional funding.
Selective Invoice Finance, on the other hand, lets you choose individual invoices to fund. There are no ongoing commitments or volume requirements, making it highly flexible and cost-effective for businesses with variable cash flow needs.
If you’re looking for maximum control and minimal obligation, selective invoice finance is the more flexible option.
Is Selective Invoice Finance Better Than Full Ledger Finance?
It depends on your business needs. Here’s when selective invoice finance may be better:
- You want flexibility to choose when and what to fund
- You don’t expect to need to fund every invoice
- You prefer to avoid establishment fees and monthly service fees that come with normal invoice finance
Full ledger finance can be cost effective for businesses that consistently need funding across their entire ledger. But for businesses looking to finance using the invoices of only one of their customers, or occasionally selective invoice finance can be a better choice.
Who Uses Selective Invoice Finance in Australia?
Selective invoice finance is used by a wide range of businesses across industries such as:
- Transport and logistics: Cover fuel, wages, and tolls while waiting on customer payments
- Manufacturing and wholesale: Fund supplier payments and production runs
- Professional services: Smooth cash flow for consultants, recruiters, and contractors
- Commercial Construction: Bridge long payment cycles for projects
Import/export businesses: Improve working capital while goods are in transit
It’s also a great option for businesses that work with large clients who have extended payment terms.
Benefits of Selective Invoice Finance
Fast access to cash: Get paid in 24 hours
- Flexible: Use only when you need it
- No lock in contracts: Finance individual invoices only
- Improves cash flow: Turn unpaid invoices into working capital
- Scalable: The more you invoice, the more funding you can access
- Works with slow-paying customers: Mitigates the impact of extended payment terms
Find the Best Selective Invoice Finance Providers in Australia
At Dark Horse Financial, we work with Australia’s top invoice finance lenders to match you with the best selective invoice finance solution for your business. Whether you need a one off funding boost or ongoing access to working capital, we tailor solutions that work for your business and your cash flow needs.
We help you:
- Access the most competitive rates
- Find the most favourable terms
- Get funds quickly when you need them most
Our team understands the cash flow pressures that come with growing a business. We’re here to help you stay agile and financially strong.
How to Apply for Selective Invoice Finance
Applying for selective invoice finance through Dark Horse Financial is quick and straightforward. We simplify the process so you can access funding without the usual delays.
Step 1: Reach Out To Us Online: Fill out our fast online form. We’ll get back to you to and explain your options clearly.
Step 2: Apply: We’ll let you know what information is required and submit your application on your behalf.
Step 3: Receive funds fast: Once approved, settlement normally follows shortly after giving you immediate access to any invoices you wish to fund.
Selective invoice loan frequently asked questions
Selective invoice finance is a flexible funding option that lets businesses access cash by financing individual invoices rather than the entire accounts receivable ledger.
You choose an invoice to finance, submit it to a lender, and receive a percentage of the invoice value upfront. You then have 80 – 90 days, depending on your terms, to repay the amount drawn.
Yes, small and medium-sized businesses often use this type of finance as it doesn’t require property security or long trading histories.
Funds are typically released within 24 hours after the invoice is selected.
Yes, this funding option can complement other facilities like business loans or a line of credit.
Any business that issues invoices to other businesses on terms may qualify, including sole traders, partnerships, and companies.