Best Invoice Finance for Bad Credit 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.

Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. UK invoice finance for businesses with bad credit, CCJs, defaults or HMRC arrears is available from at least 5 specialist providers. IGF Invoice Finance, Reward Finance Group, Bibby Financial Services, Pulse Finance and Time Finance all underwrite distressed cases. Invoice finance is fundamentally secured against your customers' creditworthiness, not your own, so the underwriting question is whether your debtors will pay rather than whether your business has perfect credit history.

What this page covers

This page covers

invoice finance for bad credit UK: providers, eligibility, costs, when to use, and how the product works for UK businesses.

Not covered here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

Best UK providers

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.
IGF Invoice FinanceNot published£5mDistressed and turnaround specialist
Reward Finance Group1.5%+£250kSpecialist non-bank, accepts CCJs
Bibby Financial ServicesNot publishedNot publishedConsiders CCJs case-by-case
Pulse FinanceNot published£1mLedger-quality underwriting, but needs £1m turnover
Time FinanceNot published£250kIndependent AIM-listed, accepts adverse
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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Invoice Finance For Bad Credit Uk FAQ

Can I get invoice finance in the UK if my business has bad credit?

Yes. Invoice finance is fundamentally secured against your customers' creditworthiness rather than your business credit. UK specialist providers like IGF Invoice Finance, Reward Finance Group, Bibby and Pulse Finance regularly approve businesses with CCJs, defaults, late HMRC payments or other adverse credit history, provided you have B2B invoices to creditworthy customers. Rates are typically 0.5-1% higher than clean-credit providers but funding is available.

Best UK invoice finance for businesses with CCJs?

IGF Invoice Finance is the standout option for UK businesses with CCJs. They actively specialise in distressed and turnaround facilities and assess each case on debtor quality rather than your business credit. Reward Finance Group, Pulse Finance and Time Finance also underwrite CCJ cases. High-street banks (HSBC, Lloyds, Barclays) typically decline CCJs at any turnover.

Can I get invoice finance with HMRC arrears in the UK?

Yes, with specialist providers. IGF Invoice Finance, Reward Finance Group and Pulse Finance accept businesses with HMRC arrears provided the arrears are being managed (Time to Pay arrangement in place). Some providers will help structure invoice finance specifically to clear the HMRC debt. The key is showing the arrears are part of a recovery plan, not ongoing failure to pay.

How quickly can I get invoice finance with adverse credit?

Specialist providers (IGF, Reward) typically complete underwriting in 5-10 working days for adverse credit cases, slower than the one-week setup Ultimate Finance quotes for clean cases. The underwriting requires more depth on debtor quality, current trading position and recovery plan. Don't expect 24-hour decisions for distressed facilities; honest providers take time to do it properly.

Will invoice finance providers check my personal credit if my business has bad credit?

Most UK providers run a credit check on directors when underwriting any facility. Adverse personal credit (CCJs against you personally, IVA, bankruptcy discharge) makes underwriting harder but doesn't always disqualify. Some specialists (Pulse Finance, IGF) will accept business invoice finance with adverse director credit if business and debtor profile is strong. Personal guarantees may be capped or replaced with a debenture.

Can a business in administration or CVA get invoice finance UK?

Yes, post-insolvency. Once a CVA is approved or a business has come out of administration, several specialists (IGF, Reward Finance, Time Finance) will provide invoice finance to fund ongoing trading. This is often the fastest route to working capital for recovering businesses. Pre-administration or pre-CVA businesses are harder; most providers will wait for the formal arrangement.