Best Invoice Finance for £5m-£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.

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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 £5m-£10m turnover qualify for the keenest pricing in the UK invoice finance market and the broadest range of structures including confidential invoice discounting, whole-book facilities, asset-based lending (ABL) combinations, and bespoke negotiated terms. Service charges typically land at 0.2-0.5%; discount charges at BoE base rate plus 1-2%. HSBC, Lloyds, Close Brothers, Aldermore, Investec and BNP Paribas Commercial Finance all compete actively.

UK businesses with £5m-£10m turnover have access to multiple invoice finance providers. More detail + scope

This page covers

Best UK invoice finance for £5m-£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 £5m-£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.
Close BrothersNot published£750kFTSE 250, mid-market specialism
HSBC Invoice FinanceNot published£1mInternational multi-currency capability
Lloyds Commercial FinanceNegotiated£100kBanking bundle, large facility experience
AldermoreNot published£750kStrong mid-market team
Investec Capital Solutions0.4%+£5mSpecialist £5m-£25m + ABL combinations
BNP Paribas Commercial FinanceNegotiated£5mInternational, multi-currency, large facility
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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£5m-£10m Turnover Invoice Finance FAQ

Best invoice finance UK at £5m-£10m turnover?

Six providers compete actively at this level: Close Brothers, HSBC Invoice Finance, Lloyds Commercial Finance, Aldermore, Investec Capital Solutions, and BNP Paribas Commercial Finance. Choice depends on whether you need: international capability (HSBC, BNP), bank relationship bundle (Lloyds, HSBC), specialist mid-market service (Investec, Aldermore), or a vanilla bank-backed facility (Close Brothers).

Should I move from invoice discounting to ABL at £5m+ turnover?

Worth considering. Asset-based lending combines invoice finance with stock finance, plant and machinery finance, and sometimes property finance into a single committed facility, often at lower blended cost than separate facilities. Investec, Close Brothers and Aldermore all offer ABL structures for £5m+ businesses. Net economics depend on your asset mix.

Cheapest UK invoice finance at £5m turnover?

None of the main providers at this size publishes a rate: Close Brothers prices each agreement individually, and HSBC and Lloyds Commercial Finance do not publish their fees; both negotiate, particularly if you bundle banking. Total cost (service + discount) typically lands at 0.5-1.5% of turnover annually at this level.

How do I run an invoice finance tender at £5m turnover?

Brief 4-5 providers (mix of bank, challenger, independent, specialist) with the same data pack: 12-month trading accounts, current ledger ageing, top 10 debtor concentration, current facility terms. Invite written quotes within 14 days. Typical savings on an untendered legacy facility: 15-30% on service charge plus negotiation room on minimum monthly fees and notice periods.

International / multi-currency invoice finance UK £5m+?

HSBC Invoice Finance and BNP Paribas Commercial Finance are the two strongest options for UK businesses with significant non-GBP invoices. Both can fund USD, EUR, AUD ledgers without conversion exposure. Lloyds and Aldermore can handle some multi-currency at £5m+. Independents (Close Brothers, Skipton) typically handle GBP only.

Bad debt protection at £5m-£10m turnover?

Standard offering at this level. Bad debt protection (insurance against customer default) typically costs 0.1-0.3% of insured turnover on top of base service charge. Aldermore, HSBC, Lloyds and Bibby all offer integrated bad debt protection with credit limits set per debtor.