Invoice Finance for Stripe and PayPal Merchants 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 businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. Stripe Capital and PayPal Working Capital are revenue-based finance products offered automatically to qualifying merchants, deducting repayments as percentages of future card revenue (typical APR equivalent 8-15%, fast and frictionless). Liberis and Iwoca offer third-party merchant cash advances against the same card receivables (typical 12-25% factor rate, more flexible). For B2B revenue alongside card sales, selective invoice finance from Hydr, Triver or Kriya covers the gap. A handful of specialist lenders also accept aggregated Stripe payouts as financeable receivables.
Last updated: 9 May 2026.
UK businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. More detail + scope
Summary
UK businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. Stripe Capital and PayPal Working Capital are revenue-based finance products offered automatically to qualifying merchants, deducting repayments as percentages of future card revenue (typical APR equivalent 8-15%, fast and frictionless).
Liberis and Iwoca offer third-party merchant cash advances against the same card receivables (typical 12-25% factor rate, more flexible). For B2B revenue alongside card sales, selective invoice finance from Hydr, Triver or Kriya covers the gap. A handful of specialist lenders also accept aggregated Stripe payouts as financeable receivables.
This page covers
invoice finance and alternatives for UK Stripe and PayPal merchants: Stripe Capital, PayPal Working Capital, merchant cash advances, B2B invoice finance combinations
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 |
|---|---|---|---|
| Hydr | Variable | No min | Selective invoice finance for B2B alongside card revenue |
| Triver | 1.5%+ | No min | API-driven, instant decisions on B2B receivables |
| Kriya (Allica Bank) | 1.5%+ | £100k | Selective B2B financing for hybrid revenue businesses |
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