Best Invoice Finance for £50k-£100k 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. Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers, Bibby Financial Services, Ultimate Finance and IGF Invoice Finance all accept clients from £50,000 turnover with rates from 0.5% service charge. Hydr, Triver and Pulse Finance accept micro-businesses below £50,000 with no minimum threshold for selective spot factoring.

Last updated: 8 May 2026.

UK businesses with £50k-£100k turnover have access to multiple invoice finance providers. Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers, Bibby Financial Services, Ultimate Finance and IGF Invoice Fina More detail + scope

Summary

Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers, Bibby Financial Services, Ultimate Finance and IGF Invoice Finance all accept clients from £50,000 turnover with rates from 0.5% service charge. Hydr, Triver and Pulse Finance accept micro-businesses below £50,000 with no minimum threshold for selective spot fact

This page covers

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
MarketInvoice#1 MatchFree to you (the lender pays us commission)Match by profileWhole-of-market match across all UK providers
Close Brothers0.5%£50kFTSE 250 bank, joint cheapest UK
Bibby Financial Services0.75%£50kLargest UK independent, sector specialism
Ultimate Finance0.8%£50kFastest setup (3 days), 95% advance
IGF Invoice Finance1.0%£50kBad-credit and turnaround specialist
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.

Last reviewed: 31 July 2026

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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. The major independents (Close Brothers, Bibby Financial Services, Ultimate Finance, IGF Invoice Finance) all accept businesses from £50,000 annual turnover. Specialists like Hydr, Triver, Pulse Finance and Sonovate accept micro-businesses below £50k via selective or spot factoring with no minimum threshold.

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

Yes. UK invoice finance is available from £50,000 turnover with at least 5 mainstream providers. Close Brothers, Bibby and Ultimate Finance all underwrite businesses at this level provided you have B2B invoices to creditworthy customers. 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?

Close Brothers and Skipton Business Finance are joint-cheapest in the UK at 0.5% starting service charge. For sub-£100k turnover, Close Brothers is the more accessible (Skipton's threshold is £100k). 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, IGF Invoice Finance and Pulse Finance all accept startups with £50k turnover and 6-12 months of trading history, provided B2B invoices to creditworthy customers. Pure-startup spot factoring is available from Sonovate (recruitment), Hydr (digital), Triver (small business) and Kriya (formerly MarketInvoice, now part of Allica Bank) 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. IGF Invoice Finance and Pulse Finance occasionally waive PG for selective facilities. Most fintechs (Hydr, Triver) don't require PG on sub-£50k spot factoring.