Best Invoice Finance for £10m+ 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.

Get my 3 quotes See the ranking

Start here: what fits your business?

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 £10m+ turnover sit in the corporate / large mid-market segment where invoice finance becomes one tool in a broader working capital strategy alongside asset-based lending, supply chain finance, trade finance and committed credit lines. HSBC Invoice Finance, Lloyds Commercial Finance, BNP Paribas Commercial Finance, Investec Capital Solutions, Close Brothers and Arbuthnot Commercial ABL all compete. Service charges drop to 0.15-0.35%; total cost of funds often comes in below 1.0% of turnover.

UK businesses with £10m+ turnover have access to multiple invoice finance providers. More detail + scope

This page covers

Best UK invoice finance for £10m+ 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 £10m+ 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.
HSBC Invoice FinanceNot published£1mInternational network, multi-currency, trade finance bundle
Lloyds Commercial FinanceNegotiated£100kLargest UK bank book, full corporate banking
BNP Paribas Commercial FinanceNegotiated£5mInternational, large facility, EUR/USD strength
Investec Capital Solutions0.3%+£5mSpecialist £5m-£100m + ABL
Arbuthnot Commercial ABLNegotiated£10m+Private bank, bespoke ABL structures
Close BrothersNot published£750kFTSE 250 stability, individually priced
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 updated:

Get 3 Free Quotes for Your £10m+ Turnover Business

Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.

Step 1 of 3 · Your business

Start typing and we'll search Companies House.

Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.

Free · No obligation · Nothing to pay us

How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.

£10m+ Turnover Invoice Finance FAQ

Best UK invoice finance for £10m+ turnover business?

Six providers compete at this level: HSBC, Lloyds, BNP Paribas, Investec, Arbuthnot Commercial ABL, and Close Brothers. Choice depends on what you need alongside invoice finance: international banking (HSBC, BNP), corporate banking bundle (Lloyds, HSBC), specialist mid-corporate service (Investec, Arbuthnot), or a vanilla bank-backed facility (Close Brothers).

Asset-based lending vs invoice finance at corporate scale?

ABL combines invoice finance with stock finance, plant and machinery finance and sometimes property finance into one committed facility. At £10m+ turnover this is often cheaper and more flexible than separate facilities. Investec, Arbuthnot and Aldermore all structure ABL for corporates. Pricing typically 1.0-2.0% of total facility limit annually.

Supply chain finance vs invoice discounting at £10m+ turnover?

Different products. Supply chain finance (also called reverse factoring) is initiated by your customer to fund THEIR suppliers (you're the supplier benefiting from early payment of their invoices to you). Invoice discounting is initiated by you, funding YOUR sales ledger. Many UK corporates use both. HSBC, Lloyds, and Citi UK all offer supply chain finance programmes.

Cheapest UK invoice finance at £10m+ turnover?

At this size pricing is negotiated, not published: Close Brothers prices each agreement individually, and HSBC and Lloyds negotiate inside a banking relationship, so compare quotes. Total cost of funds (service + discount + minimum fees) at this level typically lands below 1.0% of turnover annually, making it cheaper than overdrafts or term loans of equivalent size.

Can I run an invoice finance tender at £10m+ turnover?

You should. At £10m+ turnover, untendered legacy invoice finance is almost always over-priced. Invite 5-6 providers (mix of bank, specialist, independent, international), share the same data pack, structure response timeline. Typical savings: 20-40% off existing service charges plus better notice periods, lower minimum fees, and bundled bad debt protection.

How do I structure invoice finance alongside other corporate facilities?

At £10m+ turnover invoice finance is typically one component of a working capital programme. Structure considerations: synchronise renewal dates, negotiate cross-default terms carefully, ensure intercreditor agreements between banks if multi-bank, integrate cash-flow forecasting across facilities. Most corporate clients use external advisers (independent debt advisory) to negotiate the package.