Quick answer
Spot factoring lets you sell one invoice at a time with no long-term contract or monthly minimum. It costs slightly more than whole-ledger factoring but offers maximum flexibility.
How it works
Choose an invoice, submit it, get funded. No volume commitments.
Cost
Typically 2%–5% per invoice depending on size and payment speed.
When to use it
Seasonal spikes, one large customer, or testing factoring before committing.
Get a funding quote in 24 hours
Talk to a National Invoice Factoring specialist at (929) 658-8087 or apply online — no obligation.
Apply now
Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
