Data Index
UK Invoice Finance Lender Criteria Index 2026
Cite this dataset: Parker, A. (2026). UK Invoice Finance Lender Criteria Index: Published Provider Terms Dataset. Zenodo. https://doi.org/10.5281/zenodo.21628520
The Lender Criteria Index is the structured, citable dataset of published UK invoice finance eligibility criteria: minimum turnover, advance rate, typical service charge band, setup speed and product availability for 18 direct lenders (plus 6 brokers, listed separately). Every value comes from the provider's own published criteria or Companies House records, and where a provider publishes no figure the cell says so rather than estimating. Download it as CSV or cite the DOI.
Last updated: · Compiled by Market Invoice · Download CSV (July 2026 edition) · Rate index · Data sources and updates
| Provider | Min turnover | Advance rate | Service charge band | Setup | Confidential | Factoring |
|---|---|---|---|---|---|---|
| Bibby Financial Services | Not published | Up to 85% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| Close Brothers Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | Within one week (up to 5 working days) | Yes | Yes |
| Aldermore Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | A few days to a few weeks | Yes | Yes |
| Skipton Business Finance | £100k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| IGF (Independent Growth Finance) | £5m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes |
| Novuna Business Finance | Not published | Up to 90% | Not published (quoted per facility) | 1 to 3 working days to funds | Yes | Yes |
| Lloyds Bank Commercial Finance | £100k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| HSBC Invoice Finance | £1m | Up to 95% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Barclays Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| NatWest Invoice Finance | £300k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Santander Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes |
| Time Finance | £250k | Up to 90% | Not published (quoted per facility) | 7 working days | Yes | Yes |
| eCapital | Not published | Up to 90% | Not published (quoted per facility) | Not published | Yes | Yes |
| White Oak (UK) | £1m | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes |
| Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No |
| SME Invoice Finance | £100k | Up to 95% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes |
Brokers and marketplaces (arrange, don't lend)
| Broker | Min turnover | Setup |
|---|---|---|
| Touch Financial Broker | Varies by funder | 1 to 2 working days (funds released) |
| Apollo Business Finance Broker | Varies by funder | 3 to 10 working days |
| ABC Finance Broker | Varies by funder | 10 to 20 working days |
| Swoop Funding Broker | £30k | 48 hours (payment after invoice submitted) |
| Capitalise Broker | Varies by funder | 24 to 48 hours from approval (selective) |
| Fund Invoice Discounting Broker | Varies by funder | 3 to 10 working days |
| Provider | Min turnover | Advance rate | Service charge band | Setup speed | Confidential | Factoring |
|---|---|---|---|---|---|---|
| Bibby Financial Services | Not published | Up to 85% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| Close Brothers Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | Within one week (up to 5 working days) | Yes | Yes |
| Aldermore Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | A few days to a few weeks | Yes | Yes |
| Skipton Business Finance | £100k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes |
| IGF (Independent Growth Finance) | £5m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes |
| Novuna Business Finance | Not published | Up to 90% | Not published (quoted per facility) | 1 to 3 working days to funds | Yes | Yes |
| Lloyds Bank Commercial Finance | £100k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| HSBC Invoice Finance | £1m | Up to 95% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Barclays Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| NatWest Invoice Finance | £300k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Santander Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes |
| Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes |
| Time Finance | £250k | Up to 90% | Not published (quoted per facility) | 7 working days | Yes | Yes |
| eCapital | Not published | Up to 90% | Not published (quoted per facility) | Not published | Yes | Yes |
| White Oak (UK) | £1m | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes |
| Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No |
| SME Invoice Finance | £100k | Up to 95% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes |
Source: Market Invoice, compiled from published provider criteria and Companies House records (CC BY 4.0). DOI: 10.5281/zenodo.21628520
View as plain-text Markdown
### UK Invoice Finance Lender Criteria Index 2026: published criteria for 18 direct UK invoice finance lenders | Provider | Min turnover | Advance rate | Service charge band | Setup speed | Confidential | Factoring | | --- | --- | --- | --- | --- | --- | --- | | Bibby Financial Services | Not published | Up to 85% | Not published (quoted per facility) | 5 working days | Yes | Yes | | Close Brothers Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes | | Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | Within one week (up to 5 working days) | Yes | Yes | | Aldermore Invoice Finance | £750k | Up to 90% | Not published (quoted per facility) | A few days to a few weeks | Yes | Yes | | Skipton Business Finance | £100k | Up to 90% | Not published (quoted per facility) | 5 working days | Yes | Yes | | IGF (Independent Growth Finance) | £5m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes | | Novuna Business Finance | Not published | Up to 90% | Not published (quoted per facility) | 1 to 3 working days to funds | Yes | Yes | | Lloyds Bank Commercial Finance | £100k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes | | HSBC Invoice Finance | £1m | Up to 95% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes | | Barclays Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes | | NatWest Invoice Finance | £300k | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes | | Santander Invoice Finance | Not published | Up to 90% | Not published (quoted per facility) | 10 to 15 working days | Yes | Yes | | Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes | | Time Finance | £250k | Up to 90% | Not published (quoted per facility) | 7 working days | Yes | Yes | | eCapital | Not published | Up to 90% | Not published (quoted per facility) | Not published | Yes | Yes | | White Oak (UK) | £1m | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | | Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No | | SME Invoice Finance | £100k | Up to 95% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | Source: Market Invoice, compiled from published provider criteria and Companies House records (CC BY 4.0). DOI: 10.5281/zenodo.21628520
Methodology
Each provider is reviewed against a common schema from its own published criteria, with the legal entity checked against Companies House. Values a provider does not publish are recorded as "Not published" or "quote-only", never estimated. The dataset carries a per-provider last-reviewed date; the page date above is the most recent of them, so freshness is never overstated.
The CSV is generated from the same data file the site's comparison tables render from, so the download cannot disagree with the pages.
Published under Creative Commons Attribution 4.0. Reuse the figures with attribution to Market Invoice (marketinvoice.co.uk), or cite the DOI above. See data sources and updates for how every feed on this site refreshes.