Compare UK Invoice Finance.
Shop around, get the best deal.
Market Invoice compares 87 UK invoice finance providers in one place, including Close Brothers, Aldermore, Bibby Financial Services, Lloyds Commercial Finance and HSBC. Submit one form and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes. Free, independent, no obligation.
"Fee from" figures are our research estimates for a lowest-risk profile, not quoted prices.
Get 3 free quotes. Pick the best fit for your business.
Best Invoice Finance Providers UK 2026
Rates shown are starting rates and may vary based on your turnover, industry, and debtor profile.
How we count: 87 UK invoice finance providers listed in our directory (81 currently active); 27 compared on full published terms in the Rate Index; 87 with a review page.
See full 10-lender side-by-side comparison →
Or see the best invoice finance providers UK 2026, ranked by cost, speed and sector.
Trusted comparison data sourced from
How Invoice Finance Works
You Raise an Invoice
Send your invoice to your customer as normal. Submit a copy to your finance provider.
Get Up to 95% Advanced
Within 24 hours, the provider advances 70-95% of the invoice value directly to your bank account.
Customer Pays, You Get the Rest
When your customer pays the invoice, the remaining balance (minus fees) is released to you.
Get 3 Free Invoice Finance Quotes
Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Step 1 of 3 · Your business
Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.
How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
Invoice Finance Guides
How Invoice Finance Works
Complete guide to invoice factoring and discounting in the UK.
Invoice Factoring
Disclosed facility with collections run for you, ranked UK factoring companies.
Invoice Discounting
Confidential facility where you keep your own credit control.
Selective Invoice Finance
Finance individual invoices without a full facility.
Reverse Factoring
Buyer-initiated supply chain finance and how suppliers opt in.
Invoice Finance Costs Explained
What fees to expect and how to reduce them.
Estimate your monthly invoice finance costs in 30 seconds.
Your Estimated Costs
These are estimates. Actual costs vary by provider; a quote gives you real pricing. Free, no obligation. You never pay us.
Browse by Category
Guides
25 in-depth guides covering everything from costs to choosing a provider
Best Providers
20 curated lists -cheapest, fastest, by sector, by business type
Industry Guides
26 sector-specific guides from construction to recruitment to transport
Provider Directory
All 87 UK providers listed with status, rates, and detailed reviews
Locations
Invoice finance across 50 UK cities with regional market data
Working Capital
All working capital options compared -overdrafts, loans, MCAs, and more
Statistics
50+ key UK invoice finance statistics, market data, and trends
Research
Original market research and analysis from our 87-provider directory and 27-provider terms dataset
Get a Quote
Get 3 free invoice finance quotes through eCapital, our introduction partner
Cost Calculator
Estimate factoring and discounting costs with current 2026 UK rates
Latest from the Blog
Popular Questions
Frequently Asked Questions
How much does invoice finance cost?
Invoice finance typically costs 0.5-3% of each invoice value as a service charge (an indicative market range; most lenders quote per facility), plus a discount charge of 1-3% above base rate on the amount advanced. On a £100,000 invoice, expect to pay £500-£5,000 depending on your turnover, industry, and debtor quality.
What is the difference between factoring and invoice discounting?
With invoice factoring, the finance provider manages your credit control and collects payment from your customers directly. With invoice discounting, you retain control of credit management and your customers may not know you use finance. Discounting is typically available to larger businesses with turnover above £500,000.
How quickly can I get invoice finance?
Most providers can set up a new facility within 3-10 working days. Once set up, individual invoices are typically funded within 24 hours of being submitted. Some providers offer same-day setup for straightforward applications.
What turnover do I need for invoice finance?
Most UK invoice finance providers require a minimum annual turnover of £50,000-£100,000. Some specialist providers work with businesses from £10,000 turnover, while confidential invoice discounting usually requires £500,000+ turnover.
Will my customers know I use invoice finance?
With invoice discounting, your customers typically won't know. With invoice factoring, the finance provider contacts your customers directly to collect payment, so they will be aware. Confidential invoice discounting keeps the arrangement completely private.
Can I use invoice finance with bad credit?
Yes. Invoice finance is secured against your invoices and your customers' ability to pay, not your own credit history. Many providers specialise in businesses with poor credit, CCJs, or those in turnaround situations. The key factor is the creditworthiness of your customers.
Weekly Invoice Finance Updates
Rate changes, provider news, and market data. One email per week. Unsubscribe anytime.
By subscribing you agree to our privacy policy.