Spot Factoring

What is spot factoring?

Spot factoring allows businesses to raise cash against a single unpaid invoice or debtor. Unlike traditional invoice finance you can raise funds against a specific invoice or debtor without having to finance your whole sales ledger.

There is no on-going contract between IFG and our client meaning you can pick and choose as little or as many invoices as you wish. Inksmoor Finance Group’s costing is transparent with a fixed cost per day of the funds borrowed not a cost of the total invoice. We can offer confidential or disclosed facilities.


If your business has to wait between 30 and 90 days to get paid, Spot Factoring can help you receive funds on day one of invoicing. Once goods / services have been delivered or completed, Inksmoor Finance Group can advance up to 80% of the invoice value. This helps your businesses cash flow, to pay suppliers and other outgoings.

We can help when other forms of finance are not available or you do not fulfil other invoice finance companies criteria. From start-up business to established and stressed businesses, we can help!

See FAQ’s for further information.

How does invoice finance work?

Invoice your customer for the goods or services provided and give Inksmoor a copy.

Inksmoor Finance Group send you up to 90% of the invoice value.

We provide the credit control and chase the client on your behalf (confidential and disclosed facilities).

Customer pays IFG account (confidential and disclosed facilities).

Inksmoor Finance Group pay the difference minus our fee.