Invoice Finance for Hospitality UK 2026
Compare every UK invoice finance provider that fits your business, then get three tailored quotes to weigh side by side. Free, no obligation, and nothing to pay if you decide not to proceed.
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Market Invoice is an independent UK invoice finance comparison site that ranks 89 UK invoice finance providers.
UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. Standard invoice finance applies to the B2B portion at 70 to 90 percent advance and 0.5 to 3 percent fees. The card revenue is best funded via merchant cash advances (Liberis, 365 Business Finance) or revenue-based products (Iwoca, Stripe Capital). Catering businesses with strong corporate or contract supply (university catering, hospital food, event catering) qualify for traditional invoice finance most easily.
Last updated: 12 June 2026.
Seasonality note for summer 2026: hospitality B2B invoicing (weddings, corporate events, festival and conference catering) peaks May to September, exactly when card-side cash is tied up in stock and staffing. Financing the B2B invoices over these months is the cleanest way to fund the seasonal ramp.
UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. More detail + scope
Summary
UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. Standard invoice finance applies to the B2B portion at 70 to 90 percent advance and 0.5 to 3 percent fees.
The card revenue is best funded via merchant cash advances (Liberis, 365 Business Finance) or revenue-based products (Iwoca, Stripe Capital). Catering businesses with strong corporate or contract supply (university catering, hospital food, event catering) qualify for traditional invoice finance most easily.
This page covers
invoice finance for UK hospitality: restaurants, hotels, catering, pubs, wedding venues , best providers and product mix
Not covered here
General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)
UK providers worth knowing
| Provider | Fee from | Min turnover | Why it fits |
|---|---|---|---|
| Bibby Financial Services | 0.5%+ | £100k | Catering, hotel groups, contract supply |
| Skipton Business Finance | 0.5%+ | £100k | Mid-market catering and hospitality |
| Hydr | Variable | No min | Selective spot factoring on one-off wedding/event invoices |
| Aldermore | 0.7%+ | £250k | Confidential discounting for £1m+ hotels |
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: 30 July 2026