Best Invoice Finance for £50k-£100k 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. Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers publishes a £750,000 minimum, so at this size look at Bibby Financial Services and Ultimate Finance, which publish no minimum turnover and quote per facility. Hydr and Triver accept micro-businesses below £50,000 with no minimum threshold for selective spot factoring.

UK businesses with £50k-£100k turnover have access to multiple invoice finance providers. More detail + scope

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Best UK invoice finance for £50k-£100k 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 £50k-£100k 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£750kFTSE 250 bank, individually priced
Bibby Financial ServicesNot publishedNot publishedDescribes itself as the largest UK independent; sector specialism
Ultimate FinanceNot publishedNot publishedSetup within one week, 95% advance
HydrVariableNo minDigital spot factoring, sub-£50k accepted
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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£50k-£100k Turnover Invoice Finance FAQ

What's the minimum turnover for invoice finance in the UK?

The UK invoice finance minimum turnover varies by provider. Published floors differ: Close Brothers publishes £750,000, Skipton £100,000, and Bibby and Ultimate Finance publish no minimum and quote case by case. Specialists like Hydr, Triver and Sonovate accept micro-businesses below £50k via selective or spot factoring with no minimum threshold. Pulse Finance is not one of them: it asks for £1m to £25m+ turnover and facilities of £200k to £5m.

Can I get invoice finance at £50,000 turnover?

Yes. Several mainstream providers will look at businesses at this level provided you have B2B invoices to creditworthy customers: Bibby and Ultimate Finance, which publish no minimum turnover. Below £50k, look at digital fintechs like Hydr or Triver that offer per-invoice spot factoring.

Is invoice finance worth it for a small £50k-£100k business?

Worthwhile if you have at least £10,000 in B2B invoices outstanding at any time and 30-90 day payment terms. At £50k-£100k turnover, total invoice finance cost typically lands at 1.5-3.5% of turnover annually (£750-£3,500/year), unlocking 70-90% of invoice value as immediate cash. The break-even is when you save more in late-payment costs, growth opportunities or stress than the facility costs.

Which UK invoice finance provider is cheapest for small businesses under £100k turnover?

Neither Skipton Business Finance nor Close Brothers publishes a rate: both price each facility individually. Neither is open below £100k: Skipton's threshold is £100k and Close Brothers' £750k; Bibby and Ultimate Finance publish no minimum. Discount charge (Bank of England base rate 3.75% + 1-3%) is charged separately on the cash advanced.

Can a startup with £50k turnover get invoice finance?

Yes. Ultimate Finance considers startups, provided they have B2B invoices to creditworthy customers; it publishes no minimum turnover or trading period. Pure-startup spot factoring is available from Sonovate (recruitment), Hydr (digital), and Triver (small business) with no trading-history requirement.

Do I need a personal guarantee for £50k-£100k invoice finance?

Most UK providers require a personal guarantee from directors at £50k-£100k turnover. The exceptions: some Skipton Business Finance and Aldermore facilities can be no-PG with strong debtor concentration. Most fintechs (Hydr, Triver) don't require PG on sub-£50k spot factoring.