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

Compare every UK invoice finance provider that fits your business, then get 3 free quotes. Free, no obligation, and nothing to pay if you decide not to proceed.

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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 87 UK invoice finance providers by what fits your turnover band, sector and finance type.

Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. UK businesses with £100,000-£500,000 turnover have access to most mainstream invoice finance providers (Close Brothers and Aldermore publish a £750k minimum). Skipton Business Finance accepts businesses from £100k turnover and prices each facility individually, Ultimate Finance leads on advance rate (95%, setup within one week), and Bibby Financial Services leads on sector expertise. This turnover band is the sweet spot where providers compete most aggressively.

UK businesses with £100k-£500k turnover have access to multiple invoice finance providers. More detail + scope

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
MarketInvoice3 free quotesNot 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 BrothersNot published£750kIndividually priced, FTSE 250 stability
Skipton Business FinanceNot published£100kBuilding society backed, pricing per facility
Bibby Financial ServicesNot publishedNot publishedUK'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.

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£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). Skipton, Bibby, Ultimate Finance and Novuna all take businesses in this turnover bracket (Aldermore and Close Brothers publish a £750k minimum, above it). Most quote per facility, so compare quotes.

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

Sometimes, but ask. Close Brothers and Aldermore publish a £750k minimum, above this band entirely. Skipton and Novuna publish no confidential discounting threshold; Skipton says it has arranged confidential discounting for SMEs with turnover as small as £100,000 where the business has provable systems and a strong accounting function. Otherwise 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 is quoted per facility (for example, £1,250 a year if it were 0.5% of turnover) 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 most of the UK market is open, though Close Brothers and Aldermore publish a £750k minimum and HSBC £1m. Neither Skipton Business Finance nor Close Brothers publishes a rate: both price each facility individually. For confidential invoice discounting (most facilities at this level), banks and challenger banks compete (Lloyds and Novuna at this level; Close Brothers and Aldermore from £750k, HSBC from £1m).

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 also publishes a £750k minimum.

Skipton publishes no threshold for confidential discounting and says it has arranged confidential discounting for SMEs with turnover as small as £100,000 where the business has provable systems and a strong accounting function.

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.