Single / Selective Invoice Finance
No long-term contracts. Select specific high-value B2B invoices and unlock up to 85%–90% of their cash value on demand. Ideal for seasonal spikes, big contract wins, or occasional cashflow gaps.
Acorn Corporate Desk · B2B Debtor Capital & Invoice Finance
Unlock Cash Trapped in Unpaid B2B Invoices Within 24 Hours
Choose between Whole-Ledger Factoring, Confidential Invoice Discounting (CID), or Single / Selective Invoice Finance. Access up to 90% of invoice values instantly without waiting 30 to 90 days for customer payment.
Three funding routes
The 3 Invoice Finance Routes Compared
Confidential Invoice Discounting (CID)
Fund your entire B2B sales ledger confidentially. You retain full credit control and customer billing; your clients never know a funding facility is in place.
Full Ledger Factoring
Combine up to 90% immediate invoice advances with professional credit management and sales ledger collections. Includes optional Non-Recourse Bad Debt Insurance.
Interactive debtor ledger calculator
Calculate the cash your unpaid invoices could release
Compare Day-1 liquidity, settlement reserve, indicative fees and cashflow acceleration across the three facility structures.
Section A · Sales ledger & invoice parameters
£250,000
£10,000£2,000,000
Real-time debtor capital position
Cash unlocked from your ledger
- Immediate Day-1 Cash Drawdown Available
- £225,000
- Remaining Reserve Paid Upon Settlement
- £23,705
- Estimated Discount Fee Rate Range
- 1.2%–3.5% above base
- Estimated Days Saved in Cashflow Cycle
- 45 days
Liquidity Boost
Drawing down 90% against your unpaid invoices injects £225,000 into your bank account within 24 hours.
The reserve shown deducts the upper illustrative cycle fee of £1,295. Actual discount and service fees depend on turnover, debtor quality and utilisation.
Download Your Invoice Finance Comparison & Rate Quote
Convert your calculations into a detailed 5-page Facility Comparison Report detailing advance limits, discount rates, and fee structures across selective vs whole-ledger lenders.
Send these figures straight to a specialist broker — no need to re-enter your numbers.
Apply with These FiguresRegulatory & tax position
Important Commercial Credit Notice
Important Commercial Credit Notice
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or chartered accountant. Invoice discounting and factoring charges (discount fees and service charges) are generally treated as deductible operating expenses against Corporation Tax. Facility terms, advance rates, and credit limits remain subject to full underwriting, debtor book audit, and lender credit approval.
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