BoE Base Rate: 4.50% (since 6 February 2025)

Complete UK Directory

All 89 UK Invoice Finance Providers

The UK invoice finance market includes 89 active and recently-active providers as of 2026 — from the Big Four banks and challenger lenders to specialist recruitment funders and digital-first fintechs. This directory covers every provider operating in the UK, grouped by type, with current status and links to full reviews where available.

Banks & Bank-Backed

24 providers

4Syte

Active Bank

AIB Commercial Finance

Active Bank

Aldermore Bank

Active Bank

WCF sold to Bibby 2023; new product launched

Allica Bank

Active Bank

Acquired Kriya 2025

Arbuthnot Commercial ABL

Active Bank

Bank of Ireland

Active Bank

Bank of Scotland

Active Bank

Lloyds Group

Barclays

Active Bank

Discounting only since 2021

BNP Paribas Commercial Finance

Active Bank

Close Brothers Invoice Finance

Active Bank Full Review

Cynergy Business Finance

Active Bank

DF Capital

Active Bank

Handelsbanken

Active Bank

HSBC Invoice Finance

Active Bank Full Review

Investec Capital Solutions

Active Bank

Lloyds Bank Commercial Finance

Active Bank Full Review

Metro Bank SME Finance

Active Bank

NatWest / RBS Invoice Finance

Active Bank Full Review

Novuna Business Cash Flow

Active Bank Full Review

Paragon Bank Business Finance

Active Bank

Santander Invoice Finance

Active Bank

Secure Trust Bank

Active Bank Full Review

Shawbrook Bank

Active Bank

Inc. ex-Centric

Virgin Money

Active Bank

Transitioning to Nationwide

Large Independents

13 providers

Bibby Financial Services

Active Independent Full Review

eCapital

Active Independent

Inc. Optimum Finance

IGF Group

Active Independent Full Review

Kriya

Active Independent

Formerly MarketInvoice, part of Allica

Leumi ABL

Active Independent

Nucleus Commercial Finance

Active Independent

Acquired by Pulse Mumbai 2025

Praetura Commercial Finance

Active Independent

Regency Factors

Active Independent

Reward Finance Group

Active Independent

Skipton Business Finance

Active Independent Full Review

Time Finance

Active Independent

AIM-listed

Ultimate Finance

Active Independent Full Review

White Oak

Active Independent

Mid-Size & Regional

38 providers

ABC Finance

Active Regional

Accelerated Payments

Active Regional

Fintech, Dublin HQ

Accident Credit Group

Active Regional

Apollo Finance

Acquired by Team Factors Regional

Aria

Active Regional

BZ Commercial Finance

Active Regional

Calverton Finance

Merged into Pulse Finance Regional

Fair Finance

Active Regional

FGI Finance

Active Regional

FI Capital

Active Regional

Flex ABL

Active Regional

Flo Group (Cash Flo)

Active Regional

Funding Alternative

Active Regional

Funding Circle

Active Regional

Receivables-backed

Grenke Factoring

Active Regional

Growth Lending

Active Regional

Interface Financial Group

Active Regional

Jardine Norton

Active Regional

JMK Group

Active Regional

Key Factors

Active Regional

Optimum Finance

Acquired by eCapital Regional

Panel Financial

Active Regional

Partnership Invoice Finance

Active Regional

Peak Cashflow

Active Regional

Principal Business Finance

Active Regional

Pulse Finance

Active Regional

Inc. Calverton

Quba Solutions

Active Regional

Qube Financing

Active Regional

Raise (1st PS Limited)

Active Regional

Redd Factors

Active Regional

Sallyport Commercial Finance

Active Regional

Select Invoice Finance

Active Regional

Shire Invoice Finance

Active Regional

Silverburn Finance

Active Regional

SME Invoice Finance

Active Regional

Tandem Invoice Finance

Active Regional

Team Factors

Active Regional

Inc. Apollo

WeDo Finance

Active Regional

Recruitment Specialists

6 providers

Giant Finance+

Active Recruitment

Liquid Link

Active Recruitment

Liquid Friday Group

Muse Corporation

Active Recruitment

Recruitment Funding Solutions

Active Recruitment

Sonovate

Active Recruitment

Market leader

Zodeq

Active Recruitment

Praetura Group

Fintech & Digital

8 providers

Hydr

Active Fintech

Investly

Active Fintech

InvoiceFair / Financefair

Active Fintech

Penny

Active Fintech

Satago

Active Fintech

Sage partner

Spot Funding

Active Fintech

Broker

Tradeplus24

Active Fintech

Triver

Active Fintech

UK Invoice Finance Market at a Glance

89

Total Providers

24

Banks & Bank-Backed

51

Independents & Regional

14

Specialist & Fintech

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