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The best invoice finance providers in the UK for 2026 are Close Brothers (from 0.5%), Aldermore (from 0.7%), and Bibby Financial Services (from 0.75%), based on our comparison of rates across 85 providers.
Release up to 95% of your invoice value within 24 hours. Compare, choose, get funded.
Best Invoice Finance Providers UK 2026
Updated April 2026. Rates shown are starting rates and may vary based on your turnover, industry, and debtor profile.
Trusted comparison data used by
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.
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Invoice Finance Guides
How Invoice Finance Works
Complete guide to invoice factoring and discounting in the UK.
Invoice Finance Costs Explained
What fees to expect and how to reduce them.
Factoring vs Invoice Discounting
Key differences and which is right for your business.
Confidential Invoice Discounting
Keep your finance arrangement private from customers.
Selective Invoice Finance
Finance individual invoices without a full facility.
Construction Invoice Finance
Specialist funding for construction and trade businesses.
Invoice Finance Cost Calculator
Estimate your monthly invoice finance costs in 30 seconds
Your Estimated Costs
These are estimates. Actual costs vary by provider. Get 3 free quotes for accurate pricing.
Frequently Asked Questions
How much does invoice finance cost?
Invoice finance typically costs 0.5-3% of each invoice value as a service charge, 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.
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