Best No-Personal-Guarantee Invoice Finance UK 2026

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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 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 without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typically £500k+ turnover, no single customer over 30% of sales, audited accounts). Selective spot factoring from Hydr, Triver, Sonovate and Kriya rarely requires a personal guarantee at all because the funder takes risk on the specific invoice rather than the business.

Last updated: 8 May 2026.

UK invoice finance without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typ More detail + scope

Summary

UK invoice finance without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typically £500k+ turnover, no single customer over 30% of sales, audited accounts). Selective spot fact

This page covers

no personal guarantee invoice finance 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 profileWhole-of-market match across all UK providers
Skipton Business Finance0.5%+£100kPG-free option for low-risk profiles
Aldermore0.7%+£250kPG can be waived for £1m+ confidential discounting
IGF Invoice Finance1.0%+£50kSelective PG-free options on selective spot factoring
Close Brothers0.5%+£500kPG sometimes replaced with debenture for £1m+ businesses
HydrVariableNo minDigital spot factoring, no PG required typically
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.

No Personal Guarantee Invoice Finance Uk FAQ

Can I get UK invoice finance without a personal guarantee?

Yes. Skipton Business Finance, Aldermore, IGF Invoice Finance and Close Brothers all offer no-PG options where the business turnover, debtor concentration and ledger quality justify it. Typical thresholds: £500k+ annual turnover, audited or filed accounts, no single customer over 30% of ledger, 12+ months of trading. Below those thresholds, PG is usually required.

Why do most invoice finance providers require a personal guarantee?

Personal guarantees protect the provider against fraudulent invoicing, ledger misrepresentation, and rapid director-led trading down. PGs aren't usually called for normal trading-loss reasons; they're called when fraud or misconduct is involved. Established providers waive PGs for businesses where these risks are demonstrably low (audited accounts, long trading history, strong debtor spread).

Best no-PG invoice finance for £1m+ turnover UK?

Aldermore and Close Brothers are the strongest choices for no-PG facilities at £1m+ turnover. Both will replace the PG with an all-asset debenture from the company, which gives the provider security over company assets without director personal exposure. Skipton Business Finance offers similar terms for businesses with strong audited financials.

Can selective spot factoring be PG-free?

Yes, mostly. Hydr, Triver, Sonovate and Kriya (formerly MarketInvoice, now Allica Bank) typically don't require personal guarantees on selective spot factoring because they take risk on the specific invoice rather than the business. The trade-off is higher per-invoice fees (1.5-3% vs 0.5-1% on whole-book facilities) but no director personal exposure.

How do I negotiate out of a personal guarantee on invoice finance?

Three levers: (1) demonstrate audited accounts with 2+ years of clean trading, (2) show debtor concentration is balanced (no customer over 30% of ledger), (3) offer alternative security (all-asset debenture, intercompany guarantee, increased reserves). Best to negotiate at facility renewal rather than initial setup. Most providers will reduce PG cap to a fixed amount (e.g. £100k) rather than fully waive on first ask.

Do fintechs always offer no-PG invoice finance?

No. Fintechs (Hydr, Triver) typically waive PGs on small selective spot factoring (sub-£50k advances). On larger committed facilities, fintechs request PGs the same as banks. Sonovate offers no-PG to recruitment agencies on contractor invoices because the contractor invoicing pattern is well-understood and the underlying timesheet data is strong evidence of work done.