What is selective invoice finance?

Selective invoice finance lets you choose which specific invoices to fund. You're not committed to funding your entire customer ledger — you pick the invoices you need, when you need them.

What is whole-ledger invoice finance?

Whole-ledger (or full-ledger) invoice finance requires you to fund all your invoices from one or all customers. You can't pick and choose — you commit the entire ledger.

Does Fundtap require whole-ledger commitment?

No. Fundtap is fully selective. You choose which invoices to fund, one at a time, with no obligation to fund others.

Selective invoice finance vs whole-ledger: what’s the difference?

One of the biggest differences between invoice finance providers is whether you have to commit your whole customer ledger or can choose specific invoices. This matters a lot in practice.

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Feature	Selective (Fundtap)	Whole Ledger
Choose which invoices to fund	Yes — pick any invoice, any time	No — must fund all (or all from one client)
Minimum volume commitment	None	Usually a minimum % of ledger
Flexibility to stop	Yes, anytime	Usually requires notice period
Cost	Pay only for what you fund	Often has minimum monthly fees
Good for occasional use?	Yes	No — designed for regular use
Fundtap's model	Selective	N/A

Why selective invoice finance suits most SMEs

Whole-ledger finance was designed for large businesses with consistent invoice volumes across all clients. For most small businesses, invoicing is uneven — you might need to fund one large invoice this month and nothing next month.

Selective finance (like Fundtap) matches this reality. Fund when you need to, stop when you don’t. No minimums, no lock-in.

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