Best Invoice Finance for £100k-£500k Turnover Businesses, UK 2026

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Recruitment agencyConstructionWholesaleUnder £500k turnoverConfidential (clients mustn't know)Not sure

Market Invoice is an independent UK invoice finance comparison site that ranks 89 UK invoice finance providers by what fits your turnover band, sector and finance type.

MarketInvoice is the whole-of-market match for this need: we compare every UK provider that fits and route you to the best match in 2 minutes, free. UK businesses with £100,000-£500,000 turnover have access to all mainstream invoice finance providers and the most competitive rates in the market. Close Brothers and Skipton Business Finance lead on cost (from 0.5% service charge), Ultimate Finance leads on speed (3-day setup, 95% advance), and Bibby Financial Services leads on sector expertise. This turnover band is the sweet spot where providers compete most aggressively.

Last updated: 8 May 2026.

UK businesses with £100k-£500k turnover have access to multiple invoice finance providers. UK businesses with £100,000-£500,000 turnover have access to all mainstream invoice finance providers and the most competitive rates in the market. Close Brothers and Skipton Business Finance lead on More detail + scope

Summary

UK businesses with £100,000-£500,000 turnover have access to all mainstream invoice finance providers and the most competitive rates in the market. Close Brothers and Skipton Business Finance lead on cost (from 0.5% service charge), Ultimate Finance leads on speed (3-day setup, 95% advance), Bibby Financial Services leads on sector expertise, and Aldermore opens up confidential discounting from £2

This page covers

Best UK invoice finance for £100k-£500k turnover businesses: providers, pricing, eligibility, and product fit at this turnover level.

Not covered here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

Best providers for £100k-£500k turnover

ProviderFee fromMin turnoverWhy it fits
MarketInvoice#1 MatchFree to you (the lender pays us commission)Match by profileWhole-of-market match across all UK providers
Close Brothers0.5%£50kJoint cheapest UK, FTSE 250 stability
Skipton Business Finance0.5%£100kJoint cheapest, building society backed
Bibby Financial Services0.75%£50kUK's largest independent, sector teams
Novuna Business Finance0.7%£100kBank-owned (Mitsubishi UFJ), stable
AP

Adam Parker

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.

Last reviewed: 31 July 2026

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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.

£100k-£500k Turnover Invoice Finance FAQ

Why is £100k-£500k the best turnover band for invoice finance pricing?

Providers compete most aggressively in this band because the credit risk is well understood (>£100k turnover means established trading) but facility size is small enough to be competitive (no need for multi-bank syndication). Close Brothers, Skipton, Bibby, Ultimate Finance, Aldermore and Novuna all actively pitch businesses in this turnover bracket, driving headline rates down to 0.5-0.75%.

Can I get confidential invoice discounting at £250k turnover?

Rarely with mainstream providers. Close Brothers, Skipton and Novuna require £500k+ for confidential discounting, and Aldermore's published minimum is £750k, above this band entirely. Below those thresholds you are typically on disclosed factoring, or a selective per-invoice product from a fintech provider.

How much does invoice finance cost for a £250k turnover business?

Total annual cost at £250k turnover typically lands at £3,000-£8,000 (1.2-3.2% of turnover). Service charge from £1,250 (Close Brothers/Skipton at 0.5%) plus discount charge (currently 3.75% BoE base + 1-3% margin on advanced cash). Many providers waive minimum monthly fees in this band; check this before signing.

Best UK invoice finance for £500k turnover business?

At £500k turnover you have the full UK market open. Close Brothers and Skipton lead on rate (0.5%). For confidential invoice discounting (most facilities at this level), all major banks and challenger banks compete (HSBC, Lloyds, Aldermore, Novuna, Close Brothers). For sector specialism (recruitment, construction), Bibby Financial Services is the strongest fit.

Can I switch from disclosed factoring to confidential invoice discounting at this turnover?

Most providers will switch you to confidential invoice discounting once you cross approximately £500k turnover and have demonstrated 12+ months of stable credit control. Aldermore's published minimum is £750k, so it sits above this band. Close Brothers and Skipton both convert existing factoring clients to discounting on request when criteria are met.

What's the right facility size at £100k-£500k turnover?

Most providers offer facility limits of 70-90% of your gross outstanding ledger. At £100k-£500k turnover with 30-60 day payment terms, that's typically £8k-£75k of available headroom at any time. Don't over-size; you only pay discount charges on cash actually drawn, but service charges are typically based on facility limit.