Best Invoice Finance for Bad Credit UK 2026

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Market Invoice is an independent UK invoice finance comparison site that ranks 89 UK invoice finance providers.

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. 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.

Last updated: 8 May 2026.

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 s More detail + scope

Summary

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 wheth

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
MarketInvoice#1 MatchFree to you (the lender pays us commission)Match by profileOur free matching service, not a lender. The provider pays us; you never pay us
IGF Invoice Finance1.0%+£50kDistressed and turnaround specialist
Reward Finance Group1.5%+£250kSpecialist non-bank, accepts CCJs
Bibby Financial Services0.75%+£50kConsiders CCJs case-by-case
Pulse FinanceVariableStartups OKFlexible underwriting, no minimum
Time Finance1.0%+£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.

Last reviewed: 31 July 2026

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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.

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, Pulse) typically complete underwriting in 5-10 working days for adverse credit cases, slower than the 3-day setup Ultimate Finance offers 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.