Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. The best invoice finance for transport and haulage companies in the UK is Bibby Financial Services (specialist transport team, export to 80+ countries, advance rates up to 90%) for full-service support, or Close Brothers (dedicated transport division, individually priced) for £750k-plus businesses. Hauliers face 45-60 day payment terms while fuel and driver wages are due weekly - invoice finance closes that gap permanently.
The best invoice finance for transport and haulage is Bibby (specialist transport team, 80+ countries, up to 90% advance) or Close Brothers (dedicated transport division, individually priced). More detail + scope
This page covers
UK invoice finance providers with specialist transport and haulage expertise compared for 2026
Not covered here
Full transport sector analysis (see /industries/transport/), vehicle asset finance (see /compare/factoring-vs-asset-finance/)
Transport Specialist Providers Compared
| Provider | Transport Specialism | Advance Rate | Export? | 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. | ||||
| Bibby | Specialist team | Up to 90% | 80+ countries | Not published | International haulage |
| Close Brothers | Dedicated division | Up to 85% | 60+ countries | Not published | Individually priced |
| Ultimate Finance | Transport experienced | Up to 95% | Limited | Not published | Highest advance |
| Novuna | Combined facility | Up to 90% | 50+ countries | 0.7% | Vehicle + invoice finance |
Why Haulage Cash Flow Is Uniquely Pressured
Transport businesses carry a cost structure that tolerates zero payment delays. Fuel accounts for 30-40% of revenue, driver wages are weekly, vehicle maintenance is unpredictable, and insurance premiums are paid upfront. Meanwhile, logistics clients routinely pay on 45-60 day terms - and some large retailers push to 90 days.
A single truck running at £1.50/mile on 500 miles/day burns through £3,750/week in fuel alone. Add a driver at £650/week and you need over £4,400 per truck per week before the first invoice is raised. Invoice finance converts your proof of delivery into same-day cash, keeping every vehicle on the road. Read our full transport invoice finance guide for detailed sector analysis.
What to Look For
- POD-based funding - providers who advance against proof of delivery rather than waiting for formal invoices keep your cash cycle tighter.
- Fuel card integration - some providers work directly with fuel card companies to streamline payments.
- Cross-border capability - if you run European routes, you need a provider who handles multi-currency receivables and overseas debtors.
- Combined asset finance - Novuna and Bibby both offer vehicle finance alongside invoice finance, avoiding the need for two separate lenders.
By Transport Type
Invoice finance works across every transport niche, though the specifics vary:
- General haulage - the most common user. POD-based funding keeps trucks moving between loads.
- Refrigerated transport - higher running costs (reefer units burn additional fuel) make fast cash release even more critical.
- Container & port logistics - demurrage charges make payment speed essential. Every day a container sits costs £50-£150.
- Pallet networks - high volume, lower value invoices. Factoring works well because automation handles the volume.
- European road freight - multi-currency invoicing required. Bibby and Close Brothers handle EUR/GBP conversion automatically.
Read our full transport invoice finance guide for detailed breakdowns by sub-sector, including average advance rates and typical fee ranges for each type.
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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