IGF Invoice Finance Review
IGF Invoice Finance offers factoring from 1.0% service charge with advance rates up to 85%, for UK businesses with turnover from £50,000. As a smaller independent, they provide a more personal service with direct access to decision-makers and flexibility that larger providers often cannot match.
Key Facts
Service charge from1.0%
Advance rateUp to 85%
Setup speed5 days
Min turnover£50,000
Our rating4.3/5
TypeIndependent
Pros and Cons
Strengths
- Personal service — speak to decision-makers directly
- Low minimum turnover (£50k)
- Flexible on difficult cases (CCJs, turnaround)
- Bad debt protection available
- No long-term contract lock-in on some facilities
Limitations
- Higher starting rate than larger providers
- Lower advance rate (85% vs 90-95%)
- Smaller provider with less brand recognition
- Limited export capability
Our Verdict
IGF is a good choice for smaller businesses that value personal service and flexibility over brand name and the lowest possible rates. They are particularly strong for businesses with challenging circumstances where larger providers may not be willing to help. The lower advance rate and higher starting fee are the trade-offs for that flexibility.