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

Invoice Finance for Government Contractors — Does It Work?

Government contractors are ideal for invoice finance. Central government, local authorities, NHS trusts, and MOD are among the safest debtors in the UK — they always pay, just slowly (30-60 days). Providers offer their lowest rates for government debtors because the default risk is effectively zero.

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Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 6 April 2026

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