Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. The best confidential invoice discounting in the UK is Close Brothers (from £750k, individually priced) for a bank-backed whole-ledger facility, or Aldermore (confidential facility available from £750k) for a bank-backed option. Confidential facilities let you use invoice finance without your customers ever knowing - protecting your brand and commercial relationships. We compared every provider offering genuinely confidential terms.
What this page covers
This page covers
UK providers offering genuinely confidential invoice discounting facilities in 2026
Not covered here
How confidential discounting works step by step (see /guides/confidential-invoice-discounting/), general invoice finance costs (see /guides/costs/)
Confidential Providers Compared
| Provider | Min Turnover | Confidential Level | Advance Rate | Fee From | Best For |
|---|---|---|---|---|---|
| MarketInvoice3 free quotes | Not a lender or a panel. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes. Free to you: eCapital pays us a fixed fee per introduction. | ||||
| Aldermore | £750k | Confidential facility offered | Up to 90% | Not published | Bank-backed confidential option |
| Close Brothers | £750k | Fully confidential | Up to 90% | Not published | Bank-backed, individually priced |
| Skipton | Not published (has arranged at £100k) | Fully confidential | Up to 90% | Not published | Established businesses |
| Novuna | Not published | Fully confidential | Up to 90% | Not published | Multi-sector flexibility |
Why Confidential Matters
Many businesses avoid invoice finance entirely because they don't want customers to know. In disclosed factoring, your customers receive a notice of assignment and pay the finance provider directly. Some customers interpret this as a sign of financial difficulty - even though invoice finance is a standard tool used by companies turning over tens of millions.
Confidential invoice discounting removes this problem completely. Your customers continue paying into your account (a trust account managed by the provider), you handle all credit control, and there is zero indication that a third party is involved. For businesses where customer perception matters - professional services, B2B suppliers, premium brands - this is non-negotiable. Read our full confidential invoice discounting guide for a deeper breakdown.
Who Qualifies
- Enough turnover: published minimums vary (Close Brothers and Aldermore £750k; Skipton publishes none but says it has arranged confidential terms at £100k turnover), and many providers look for £500k+ before offering confidential terms.
- Proven credit control - you must demonstrate you can manage your own sales ledger effectively, since the provider won't be chasing your debtors.
- Clean debtor book - low concentration risk and minimal overdue debt. Providers need confidence your collections process works.
- Established trading record - providers usually want to see a period of trading and filed accounts before offering confidential terms.
Confidential vs Disclosed: The Real Difference
With disclosed factoring, your invoices carry a notice of assignment. Payment instructions direct your customer to pay the factor, not you. Many customers view this neutrally - but in competitive sectors like professional services, consulting, or premium manufacturing, it can raise questions about your financial stability.
Confidential invoice discounting eliminates this entirely. Your invoices look normal. Your customer pays into what appears to be your regular bank account (actually a trust account). You handle all collections. The provider sits invisibly behind the scenes, advancing funds against your sales ledger daily.
The trade-off is eligibility and workload. Confidential facilities require higher minimum turnovers and you run credit control yourself, because the provider takes on more risk without direct debtor contact. For businesses where reputation and customer perception are paramount, that is usually worth it. Read our full confidential invoice discounting guide for a step-by-step walkthrough.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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