Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. NHS suppliers sell to very low-risk, publicly funded debtors, which puts them at the better end of invoice finance pricing. The best providers for NHS suppliers are Skipton (building society backed, from £100k turnover), Close Brothers (individually priced), Bibby (large independent with healthcare experience), and Sonovate (specialist for NHS nursing and staffing agencies).
What this page covers
This page covers
Best invoice finance for NHS suppliers including rates, advance rates, and specialist providers for healthcare staffing
Not covered here
NHS procurement processes, healthcare tender requirements, CQC compliance
Top Providers for NHS Suppliers
| Provider | Fee From | Advance Rate | NHS Specialism | 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. | |||
| Close Brothers | Not published | Up to 90% | All NHS suppliers | Individually priced, FTSE 250 bank |
| Bibby | Not published | Up to 85% | Healthcare experienced | All-round flexibility |
| Sonovate | Not published | Up to 100% | NHS nursing & staffing | Healthcare recruitment |
| Skipton | Not published | Up to 90% | All NHS suppliers | Building society backed, pricing per facility |
Why NHS Suppliers Get the Best Deal
Invoice finance pricing is based on debtor risk. NHS trusts are publicly funded, so the risk that they fail to pay is very low. That makes your NHS invoices one of the most attractive assets a provider can hold, and your quotes should reflect it.
If your current service charge looks high for a ledger of NHS debtors, get quotes from the providers above and use your NHS debtor status as leverage in negotiations. Every provider in the market wants NHS invoices on their book.
NHS Staffing Agencies
Nursing and healthcare staffing agencies supplying temporary workers to NHS trusts are among the most common users of invoice finance. You place workers on Monday, submit timesheets on Friday, invoice the trust, and then wait 30-90 days for payment - while paying your workers weekly. Invoice finance bridges this gap by advancing most of the invoice value, often within 24 hours.
Sonovate is a specialist in recruitment finance, handling payroll, invoicing, and funding in one platform. For non-staffing NHS suppliers (equipment, consumables, services), Close Brothers and Bibby offer the best combination of low cost and experience.
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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