Data Index

UK Invoice Finance Lender League Table

Data as of September 2026. Aggregate analysis of the live Companies House register of charges. Every figure traces to the public filings.

The biggest invoice finance providers in the UK, measured by live debentures on the Companies House register of charges, are Rbs Invoice Finance Limited (10,824 debentures, 5,107 live), Hsbc Invoice Finance (UK) LTD (9,343 debentures, 5,254 live), followed by Bibby Financial Services Limited (9,089), Lloyds Tsb Commercial Finance Limited (8,306) and Lloyds Bank Commercial Finance Limited (6,949). These rankings come from a scan of 85,449 invoice-finance debentures across 207 lenders, of which 40,173 are still outstanding. Source: analysis of the live Companies House register of charges.

Rbs Invoice Finance Limited holds the most invoice finance debentures in this scan: 10,824 in total, 5,107 of them still live, just ahead of Hsbc Invoice Finance (UK) LTD on 9,343. Source: Companies House register of charges

Lender league table, most debentures first

A debenture is the fixed-and-floating charge a lender registers when it funds a business. "Live" means the charge is not recorded as satisfied on the Companies House register; "ended" means a satisfaction filing has been made. Companies House does not require a lender to file that a charge has been satisfied, so an unsatisfied charge is not proof of a current facility. Ranked by total debentures held.

Rank	Lender	Total debentures	Live (outstanding)	Ended (satisfied)
1	Rbs Invoice Finance Limited	10,824	5,107	5,717
2	Hsbc Invoice Finance (UK) LTD	9,343	5,254	4,089
3	Bibby Financial Services Limited	9,089	3,879	5,210
4	Lloyds Tsb Commercial Finance Limited	8,306	2,705	5,601
5	Lloyds Bank Commercial Finance Limited	6,949	3,882	3,067
6	Skipton Business Finance Limited	2,082	1,089	993
7	The Royal Bank of Scotland Commercial Services Limited	1,758	485	1,273
8	Close Invoice Finance Limited	1,417	504	913
9	Sme Invoice Finance Limited	1,383	558	825
10	Tallaght Financial LTD	1,348	868	480
11	Nucleus Cash Flow FINANCE2 Limited	1,103	773	330
12	Ecapital Commercial Finance Limited	1,025	903	122
13	4SYTE LTD	982	824	158
14	Team Factors Limited	970	613	357
15	Apollo Business Finance LTD	932	681	251
16	Venture Finance PLC	907	102	805
17	Cynergy Business Finance Limited	893	741	152
18	Arbuthnot Commercial Asset Based Lending Limited	858	661	197
19	Quba Solutions Limited	790	542	248
20	Abn Amro Asset Based Finance N.V.	785	144	641
21	Time Invoice Finance Limited	753	652	101
22	Igf Business Credit Limited	743	532	211
23	Ecapital Commercial Finance (North) Limited	677	594	83
24	Zodeq LTD	676	481	195
25	Wells Fargo Capital Finance (UK) Limited	670	384	286
26	Optimum Sme Finance Limited	660	422	238
27	Abn Amro Commercial Finance PLC	625	77	548
28	Leumi Abl Limited	621	142	479
29	Sonovate Limited	599	454	145
30	Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD	568	172	396
31	Ultimate Invoice Finance Limited	566	173	393
32	Marketfinance Limited	497	141	356
33	Advantedge Commercial Finance Limited	479	306	173
34	Marketinvoice Limited	474	103	371
35	Ge Commercial Finance Limited	444	21	423
36	Aldermore Invoice Finance, a Division of Aldermore Bank PLC	438	143	295
37	Advantedge Commercial Finance (North) Limited	412	271	141
38	Tfg Capital Limited	391	173	218
39	Alex Lawrie Receivables Financing Limited	387	63	324
40	Igf Invoice Finance Limited	373	122	251
41	Calverton Finance LTD	360	77	283
42	Bibby Factors Scotland Limited	340	123	217
43	Griffin Credit Services Limited	338	97	241
44	Praetura Commercial Finance Limited	327	202	125
45	Euro Sales Finance PLC	313	45	268
46	Positive Cashflow Finance Limited	304	151	153
47	Ashley Commercial Finance Limited	302	63	239
48	Peak Cashflow Limited	278	217	61
49	Griffin Factors Limited	276	57	219
50	Nmb-Heller Limited	244	6	238
51	Centric Spv 1 Limited	239	27	212
52	Burdale Financial Limited	236	28	208
53	Confidential Invoice Discounting Limited	218	25	193
54	Five Arrows Commercial Finance Limited	218	14	204
55	Cattles Invoice Finance Limited	217	54	163
56	Gc Factoring LTD	209	130	79
57	Factor 21 PLC	202	110	92
58	GENER8 Finance Limited	201	82	119
59	Kellock Limited	194	33	161
60	Liquid Link Limited	192	153	39
61	Shire Invoice Finance Limited	181	118	63
62	Royal Bank Invoice Finance Limited	181	27	154
63	Wedo Finance LTD	175	104	71
64	Heritage Commercial Finance Limited	157	77	80
65	Bz Commercial Finance Designated Activity Company	157	74	83
66	Praetura Invoice Finance Limited	152	116	36
67	Eurofactor (UK) Limited	151	8	143
68	Reward Invoice Finance Limited	149	66	83
69	Tsb Commercial Finance Limited	149	32	117
70	Gmac Commercial Finance PLC	146	13	133
71	Satago Financial Solutions Limited	141	15	126
72	Rdm Factors Limited	141	33	108
73	Ge Capital Commercial Finance Limited	141	8	133
74	Gmac Commercial Credit Limited	140	24	116
75	Hitachi Capital (UK) PLC	138	56	82
76	Regency Factors Limited	136	57	79
77	Bibby Financial Services Limited (Security Trustee)	135	37	98
78	Pulse Cashflow Finance Limited	134	40	94
79	Kriya Finance Limited	132	54	78
80	Lombard Natwest Discounting Limited	129	9	120
81	Easy Invoice Finance Limited	129	60	69
82	Bibby Invoice Discounting Limited	127	39	88
83	Alliance & Leicester Commercial Finance PLC	125	67	58
84	Sallyport Commercial Finance LTD	124	99	25
85	Bnp Paribas Commercial Finance Limited	117	61	56
86	Working Capital Partners Limited	116	21	95
87	Partnership Invoice Finance Limited	115	98	17
88	Bibby Factors Limited	114	44	70
89	Wedo Invoice Finance LTD	113	97	16
90	Hitachi Capital (UK) PLC T/as Hitachi Capital Invoice Finance	102	29	73
91	Nucleus Cash Flow FINANCE6 Limited	100	91	9
92	Fortis Commercial Finance Limited	97	8	89
93	City Invoice Finance Limited	95	10	85
94	Flex Abl Limited	94	72	22
95	Factor 21 (North) Limited	93	50	43
96	Credit Agricole Leasing & Factoring S.A.	92	77	15
97	Trade Indemnity-Heller Commercial Finance Limited	92	4	88
98	Venture Factors PLC	89	9	80
99	Centric SPV1 Limited	87	10	77
100	London Scottish Invoice Finance LTD	82	20	62
101	Amicus Commercial Finance No 1 Limited	82	43	39
102	First National Invoice Finance Limited	69	5	64
103	Redd Factors Limited	68	32	36
104	Ucb Invoice Discounting Limited	65	4	61
105	Calverton Factors LTD	62	12	50
106	Hh Cashflow Finance Limited	61	24	37
107	First Capital Factors Limited	61	13	48
108	Aib Commercial Finance Limited	59	31	28
109	Eastern Counties Finance Limited	57	14	43
110	Absolute Invoice Finance LTD	56	13	43
111	Bibby Factors Northeast Limited	55	16	39
112	Ing Commercial Finance B.V.	53	40	13
113	Abn Amro Asset Based Finance N.V., UK Branch	50	14	36
114	Cattles Invoice Finance (Oxford) Limited	49	10	39
115	Metropolitan Factors Limited	49	12	37
116	Kbc Commercial Finance Nv	48	38	10
117	Lombard Natwest Factors Limited	48	11	37
118	Hill Samuel Commercial Finance Limited	47	5	42
119	Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT ("Close")	46	30	16
120	Hilldun Corporation	46	27	19
121	Ecapital Commercial Finance (Southwest) Limited	45	39	6
122	Hitachi Capital Invoice Finance LTD	43	12	31
123	Reedham Factors Limited	43	14	29
124	Dynamic Commercial Finance PLC	42	8	34
125	Bibby Factors International Limited	42	8	34
126	Aldermore Invoice Finance,a Division of Aldermore Bank PLC	42	7	35
127	Maddox Factoring (UK) Limited	40	12	28
128	Bibby Factors Sussex Limited	40	9	31
129	Bibby Factors Leicester Limited	39	9	30
130	Aldermore Invoice Finance	39	16	23
131	Credit Agricole Leasing & Factoring	38	32	6
132	Crédit Agricole Leasing & Factoring	36	27	9
133	Select Invoice Finance Limited	35	7	28
134	Bibby Factors Slough Limited	34	6	28
135	Pulse Cashflow Finance (Mk) Limited	32	8	24
136	Alex Lawrie Factors Limited	31	13	18
137	H & H Factors Limited	31	4	27
138	Bibby Factors Bristol Limited	30	9	21
139	Absolute Invoice Finance, a Division of Aldermore Bank PLC	29	11	18
140	4SYTE Funding LTD	28	15	13
141	County Factors Limited	28	7	21
142	Royal Bank of Scotland Invoice Finance Limited	28	9	19
143	Ulster Factors Limited	28	11	17
144	Burdale Financial Limited (Security Trustee)	26	0	26
145	Gle Invoice Finance Limited	25	5	20
146	Leumi Abl Limited (Leumi)	22	0	22
147	Bibby Factors West Midlands Limited	22	5	17
148	Causeway Invoice Discounting Company Limited	21	0	21
149	Arbuthnot Factors Limited	21	11	10
150	Redd Factors-UK Limited	21	17	4
151	Maddox Bibby Factors Limited	19	10	9
152	Pulse Cashflow Finance 2 LTD	18	3	15
153	The Royal Bank of Scotland Invoice Discounting Limited	16	4	12
154	Bibby Factors Sunderland Limited	15	3	12
155	Crédit Agricole Leasing & Factoring S.A.	15	8	7
156	Bibby Factors Bedford Limited	13	5	8
157	Ester Finance Technologies	12	10	2
158	Tsb Factors Limited	12	1	11
159	Bibby Factors Manchester Limited	10	0	10
160	Lloyds Bank Commercial Finance Limited, No 1 Brookhill Way, Banbury, Oxon, OX16 3EL	10	5	5
161	Sygnet Invoice Finance LTD	8	2	6
162	Single Invoice Finance Limited	8	0	8
163	Lloyds Tsb Commercial Finance Limited (Ltsbcf)	7	0	7
164	International Factors Limited	6	1	5
165	Pnc Business Credit	6	2	4
166	Coface Receivables Finance Limited	6	0	6
167	Bibby Trade Factors Limited	5	1	4
168	Rbs Invoice Limited	4	2	2
169	Alex Lawrie Receivable Financing Limited	4	0	4
170	Aldermore Bank PLC	4	1	3
171	Lloyds Tsb Commercial Finance Limited (The "Security Trustee")	4	0	4
172	Wells Fargo Capital Finance (UK) Limited Acting in Capacity as Security Trustee	4	4	0
173	Trade Indemnity -Heller Commercial Finance Limited	3	0	3
174	Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD (Pnc)	3	0	3
175	Lloyds Tsb Commercial Finance Limited, No 1 Brookhill Way, Oxon, OX16 3EL	3	2	1
176	Rbs Invoice Finance Limited (The "Security Agent")	3	0	3
177	Rbs Invoice Finance Limted	3	0	3
178	Royscot Factors Limited	3	1	2
179	Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT	3	3	0
180	Wells Fargo Capital Finance, Llc (The Agent)	3	0	3
181	The Royal Bank of Scotland Invoice Finance Limited	2	2	0
182	Bibby Financial Service Limited	2	0	2
183	Pnc Financial Services UK LTD	2	0	2
184	Lloyds Bank Commercial Finance Limited (No. 733011)	2	2	0
185	Anglo Factoring Services Limited	2	0	2
186	Hsbc Invoice Finance Limited	2	1	1
187	Pulse Cashflow Finance Limited (The Chargee)	2	0	2
188	Trade-Indemnity-Heller Commercial Finance Limited	1	0	1
189	Lloyds Tsb Commercial Finance Limtied	1	0	1
190	Confidential Invoice Discounting Agreement	1	0	1
191	Burdale Financial Limited as Trustee for the Finance Parties (The Agent)	1	0	1
192	Confidentail Invoice Discounting Limited	1	0	1
193	1LOYDS Tsb Commercial Finance Limited	1	0	1
194	Bibby Factors Interantional Limited	1	0	1
195	Close Invoice Finance Limited, 10 Crown Place, London EC2A 4FT("Close")	1	1	0
196	City Electrical Factors (Iom) Limited	1	1	0
197	Lloyds Tsb Commerical Finance LTD	1	1	0
198	Nmb Heller N.V.	1	0	1
199	Habc Invoice Finance (UK) LTD (the Security Holder)	1	0	1
200	Sme Invoice Limited	1	0	1
201	Alex Lawrie Recievables Fiancing Limited	1	0	1
202	Skipton Business Finance Liited	1	0	1
203	Hsbc Invoice Finance Linited (The Security Trustee)	1	1	0
204	Hsbc Invoice Finnace (UK) LTD (the Security Holder)	1	0	1
205	Red Factors Limited	1	0	1
206	Lloyds Bank Commercial Finance Limitedq	1	1	0
207	Rbs Rbs Invoice Finance Limited	1	1	0

Total across the scan: 85,449 debentures from 207 lenders, 40,173 still live. Lender shares are indicative of the scanned sample, not the entire register.

UK invoice finance lender league table, by total debentures on the live Companies House register of charges (scan through 2026-09-28)

Rank	Lender	Total debentures	Live (outstanding)	Ended (satisfied)
1	Rbs Invoice Finance Limited	10824	5107	5717
2	Hsbc Invoice Finance (UK) LTD	9343	5254	4089
3	Bibby Financial Services Limited	9089	3879	5210
4	Lloyds Tsb Commercial Finance Limited	8306	2705	5601
5	Lloyds Bank Commercial Finance Limited	6949	3882	3067
6	Skipton Business Finance Limited	2082	1089	993
7	The Royal Bank of Scotland Commercial Services Limited	1758	485	1273
8	Close Invoice Finance Limited	1417	504	913
9	Sme Invoice Finance Limited	1383	558	825
10	Tallaght Financial LTD	1348	868	480
11	Nucleus Cash Flow FINANCE2 Limited	1103	773	330
12	Ecapital Commercial Finance Limited	1025	903	122
13	4SYTE LTD	982	824	158
14	Team Factors Limited	970	613	357
15	Apollo Business Finance LTD	932	681	251
16	Venture Finance PLC	907	102	805
17	Cynergy Business Finance Limited	893	741	152
18	Arbuthnot Commercial Asset Based Lending Limited	858	661	197
19	Quba Solutions Limited	790	542	248
20	Abn Amro Asset Based Finance N.V.	785	144	641
21	Time Invoice Finance Limited	753	652	101
22	Igf Business Credit Limited	743	532	211
23	Ecapital Commercial Finance (North) Limited	677	594	83
24	Zodeq LTD	676	481	195
25	Wells Fargo Capital Finance (UK) Limited	670	384	286
26	Optimum Sme Finance Limited	660	422	238
27	Abn Amro Commercial Finance PLC	625	77	548
28	Leumi Abl Limited	621	142	479
29	Sonovate Limited	599	454	145
30	Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD	568	172	396
31	Ultimate Invoice Finance Limited	566	173	393
32	Marketfinance Limited	497	141	356
33	Advantedge Commercial Finance Limited	479	306	173
34	Marketinvoice Limited	474	103	371
35	Ge Commercial Finance Limited	444	21	423
36	Aldermore Invoice Finance, a Division of Aldermore Bank PLC	438	143	295
37	Advantedge Commercial Finance (North) Limited	412	271	141
38	Tfg Capital Limited	391	173	218
39	Alex Lawrie Receivables Financing Limited	387	63	324
40	Igf Invoice Finance Limited	373	122	251
41	Calverton Finance LTD	360	77	283
42	Bibby Factors Scotland Limited	340	123	217
43	Griffin Credit Services Limited	338	97	241
44	Praetura Commercial Finance Limited	327	202	125
45	Euro Sales Finance PLC	313	45	268
46	Positive Cashflow Finance Limited	304	151	153
47	Ashley Commercial Finance Limited	302	63	239
48	Peak Cashflow Limited	278	217	61
49	Griffin Factors Limited	276	57	219
50	Nmb-Heller Limited	244	6	238
51	Centric Spv 1 Limited	239	27	212
52	Burdale Financial Limited	236	28	208
53	Confidential Invoice Discounting Limited	218	25	193
54	Five Arrows Commercial Finance Limited	218	14	204
55	Cattles Invoice Finance Limited	217	54	163
56	Gc Factoring LTD	209	130	79
57	Factor 21 PLC	202	110	92
58	GENER8 Finance Limited	201	82	119
59	Kellock Limited	194	33	161
60	Liquid Link Limited	192	153	39
61	Shire Invoice Finance Limited	181	118	63
62	Royal Bank Invoice Finance Limited	181	27	154
63	Wedo Finance LTD	175	104	71
64	Heritage Commercial Finance Limited	157	77	80
65	Bz Commercial Finance Designated Activity Company	157	74	83
66	Praetura Invoice Finance Limited	152	116	36
67	Eurofactor (UK) Limited	151	8	143
68	Reward Invoice Finance Limited	149	66	83
69	Tsb Commercial Finance Limited	149	32	117
70	Gmac Commercial Finance PLC	146	13	133
71	Satago Financial Solutions Limited	141	15	126
72	Rdm Factors Limited	141	33	108
73	Ge Capital Commercial Finance Limited	141	8	133
74	Gmac Commercial Credit Limited	140	24	116
75	Hitachi Capital (UK) PLC	138	56	82
76	Regency Factors Limited	136	57	79
77	Bibby Financial Services Limited (Security Trustee)	135	37	98
78	Pulse Cashflow Finance Limited	134	40	94
79	Kriya Finance Limited	132	54	78
80	Lombard Natwest Discounting Limited	129	9	120
81	Easy Invoice Finance Limited	129	60	69
82	Bibby Invoice Discounting Limited	127	39	88
83	Alliance & Leicester Commercial Finance PLC	125	67	58
84	Sallyport Commercial Finance LTD	124	99	25
85	Bnp Paribas Commercial Finance Limited	117	61	56
86	Working Capital Partners Limited	116	21	95
87	Partnership Invoice Finance Limited	115	98	17
88	Bibby Factors Limited	114	44	70
89	Wedo Invoice Finance LTD	113	97	16
90	Hitachi Capital (UK) PLC T/as Hitachi Capital Invoice Finance	102	29	73
91	Nucleus Cash Flow FINANCE6 Limited	100	91	9
92	Fortis Commercial Finance Limited	97	8	89
93	City Invoice Finance Limited	95	10	85
94	Flex Abl Limited	94	72	22
95	Factor 21 (North) Limited	93	50	43
96	Credit Agricole Leasing & Factoring S.A.	92	77	15
97	Trade Indemnity-Heller Commercial Finance Limited	92	4	88
98	Venture Factors PLC	89	9	80
99	Centric SPV1 Limited	87	10	77
100	London Scottish Invoice Finance LTD	82	20	62
101	Amicus Commercial Finance No 1 Limited	82	43	39
102	First National Invoice Finance Limited	69	5	64
103	Redd Factors Limited	68	32	36
104	Ucb Invoice Discounting Limited	65	4	61
105	Calverton Factors LTD	62	12	50
106	Hh Cashflow Finance Limited	61	24	37
107	First Capital Factors Limited	61	13	48
108	Aib Commercial Finance Limited	59	31	28
109	Eastern Counties Finance Limited	57	14	43
110	Absolute Invoice Finance LTD	56	13	43
111	Bibby Factors Northeast Limited	55	16	39
112	Ing Commercial Finance B.V.	53	40	13
113	Abn Amro Asset Based Finance N.V., UK Branch	50	14	36
114	Cattles Invoice Finance (Oxford) Limited	49	10	39
115	Metropolitan Factors Limited	49	12	37
116	Kbc Commercial Finance Nv	48	38	10
117	Lombard Natwest Factors Limited	48	11	37
118	Hill Samuel Commercial Finance Limited	47	5	42
119	Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT ("Close")	46	30	16
120	Hilldun Corporation	46	27	19
121	Ecapital Commercial Finance (Southwest) Limited	45	39	6
122	Hitachi Capital Invoice Finance LTD	43	12	31
123	Reedham Factors Limited	43	14	29
124	Dynamic Commercial Finance PLC	42	8	34
125	Bibby Factors International Limited	42	8	34
126	Aldermore Invoice Finance,a Division of Aldermore Bank PLC	42	7	35
127	Maddox Factoring (UK) Limited	40	12	28
128	Bibby Factors Sussex Limited	40	9	31
129	Bibby Factors Leicester Limited	39	9	30
130	Aldermore Invoice Finance	39	16	23
131	Credit Agricole Leasing & Factoring	38	32	6
132	Crédit Agricole Leasing & Factoring	36	27	9
133	Select Invoice Finance Limited	35	7	28
134	Bibby Factors Slough Limited	34	6	28
135	Pulse Cashflow Finance (Mk) Limited	32	8	24
136	Alex Lawrie Factors Limited	31	13	18
137	H & H Factors Limited	31	4	27
138	Bibby Factors Bristol Limited	30	9	21
139	Absolute Invoice Finance, a Division of Aldermore Bank PLC	29	11	18
140	4SYTE Funding LTD	28	15	13
141	County Factors Limited	28	7	21
142	Royal Bank of Scotland Invoice Finance Limited	28	9	19
143	Ulster Factors Limited	28	11	17
144	Burdale Financial Limited (Security Trustee)	26	0	26
145	Gle Invoice Finance Limited	25	5	20
146	Leumi Abl Limited (Leumi)	22	0	22
147	Bibby Factors West Midlands Limited	22	5	17
148	Causeway Invoice Discounting Company Limited	21	0	21
149	Arbuthnot Factors Limited	21	11	10
150	Redd Factors-UK Limited	21	17	4
151	Maddox Bibby Factors Limited	19	10	9
152	Pulse Cashflow Finance 2 LTD	18	3	15
153	The Royal Bank of Scotland Invoice Discounting Limited	16	4	12
154	Bibby Factors Sunderland Limited	15	3	12
155	Crédit Agricole Leasing & Factoring S.A.	15	8	7
156	Bibby Factors Bedford Limited	13	5	8
157	Ester Finance Technologies	12	10	2
158	Tsb Factors Limited	12	1	11
159	Bibby Factors Manchester Limited	10	0	10
160	Lloyds Bank Commercial Finance Limited, No 1 Brookhill Way, Banbury, Oxon, OX16 3EL	10	5	5
161	Sygnet Invoice Finance LTD	8	2	6
162	Single Invoice Finance Limited	8	0	8
163	Lloyds Tsb Commercial Finance Limited (Ltsbcf)	7	0	7
164	International Factors Limited	6	1	5
165	Pnc Business Credit	6	2	4
166	Coface Receivables Finance Limited	6	0	6
167	Bibby Trade Factors Limited	5	1	4
168	Rbs Invoice Limited	4	2	2
169	Alex Lawrie Receivable Financing Limited	4	0	4
170	Aldermore Bank PLC	4	1	3
171	Lloyds Tsb Commercial Finance Limited (The "Security Trustee")	4	0	4
172	Wells Fargo Capital Finance (UK) Limited Acting in Capacity as Security Trustee	4	4	0
173	Trade Indemnity -Heller Commercial Finance Limited	3	0	3
174	Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD (Pnc)	3	0	3
175	Lloyds Tsb Commercial Finance Limited, No 1 Brookhill Way, Oxon, OX16 3EL	3	2	1
176	Rbs Invoice Finance Limited (The "Security Agent")	3	0	3
177	Rbs Invoice Finance Limted	3	0	3
178	Royscot Factors Limited	3	1	2
179	Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT	3	3	0
180	Wells Fargo Capital Finance, Llc (The Agent)	3	0	3
181	The Royal Bank of Scotland Invoice Finance Limited	2	2	0
182	Bibby Financial Service Limited	2	0	2
183	Pnc Financial Services UK LTD	2	0	2
184	Lloyds Bank Commercial Finance Limited (No. 733011)	2	2	0
185	Anglo Factoring Services Limited	2	0	2
186	Hsbc Invoice Finance Limited	2	1	1
187	Pulse Cashflow Finance Limited (The Chargee)	2	0	2
188	Trade-Indemnity-Heller Commercial Finance Limited	1	0	1
189	Lloyds Tsb Commercial Finance Limtied	1	0	1
190	Confidential Invoice Discounting Agreement	1	0	1
191	Burdale Financial Limited as Trustee for the Finance Parties (The Agent)	1	0	1
192	Confidentail Invoice Discounting Limited	1	0	1
193	1LOYDS Tsb Commercial Finance Limited	1	0	1
194	Bibby Factors Interantional Limited	1	0	1
195	Close Invoice Finance Limited, 10 Crown Place, London EC2A 4FT("Close")	1	1	0
196	City Electrical Factors (Iom) Limited	1	1	0
197	Lloyds Tsb Commerical Finance LTD	1	1	0
198	Nmb Heller N.V.	1	0	1
199	Habc Invoice Finance (UK) LTD (the Security Holder)	1	0	1
200	Sme Invoice Limited	1	0	1
201	Alex Lawrie Recievables Fiancing Limited	1	0	1
202	Skipton Business Finance Liited	1	0	1
203	Hsbc Invoice Finance Linited (The Security Trustee)	1	1	0
204	Hsbc Invoice Finnace (UK) LTD (the Security Holder)	1	0	1
205	Red Factors Limited	1	0	1
206	Lloyds Bank Commercial Finance Limitedq	1	1	0
207	Rbs Rbs Invoice Finance Limited	1	1	0

Source: Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk

Aggregate of public filings: a scan of 85,449 invoice-finance debentures across 207 lenders through 2026-09-28, not the complete register. Lender shares are indicative of the scanned sample.

View as plain-text Markdown

### UK invoice finance lender league table, by total debentures on the live Companies House register of charges (scan through 2026-09-28)

| Rank | Lender | Total debentures | Live (outstanding) | Ended (satisfied) |
| --- | --- | --- | --- | --- |
| 1 | Rbs Invoice Finance Limited | 10824 | 5107 | 5717 |
| 2 | Hsbc Invoice Finance (UK) LTD | 9343 | 5254 | 4089 |
| 3 | Bibby Financial Services Limited | 9089 | 3879 | 5210 |
| 4 | Lloyds Tsb Commercial Finance Limited | 8306 | 2705 | 5601 |
| 5 | Lloyds Bank Commercial Finance Limited | 6949 | 3882 | 3067 |
| 6 | Skipton Business Finance Limited | 2082 | 1089 | 993 |
| 7 | The Royal Bank of Scotland Commercial Services Limited | 1758 | 485 | 1273 |
| 8 | Close Invoice Finance Limited | 1417 | 504 | 913 |
| 9 | Sme Invoice Finance Limited | 1383 | 558 | 825 |
| 10 | Tallaght Financial LTD | 1348 | 868 | 480 |
| 11 | Nucleus Cash Flow FINANCE2 Limited | 1103 | 773 | 330 |
| 12 | Ecapital Commercial Finance Limited | 1025 | 903 | 122 |
| 13 | 4SYTE LTD | 982 | 824 | 158 |
| 14 | Team Factors Limited | 970 | 613 | 357 |
| 15 | Apollo Business Finance LTD | 932 | 681 | 251 |
| 16 | Venture Finance PLC | 907 | 102 | 805 |
| 17 | Cynergy Business Finance Limited | 893 | 741 | 152 |
| 18 | Arbuthnot Commercial Asset Based Lending Limited | 858 | 661 | 197 |
| 19 | Quba Solutions Limited | 790 | 542 | 248 |
| 20 | Abn Amro Asset Based Finance N.V. | 785 | 144 | 641 |
| 21 | Time Invoice Finance Limited | 753 | 652 | 101 |
| 22 | Igf Business Credit Limited | 743 | 532 | 211 |
| 23 | Ecapital Commercial Finance (North) Limited | 677 | 594 | 83 |
| 24 | Zodeq LTD | 676 | 481 | 195 |
| 25 | Wells Fargo Capital Finance (UK) Limited | 670 | 384 | 286 |
| 26 | Optimum Sme Finance Limited | 660 | 422 | 238 |
| 27 | Abn Amro Commercial Finance PLC | 625 | 77 | 548 |
| 28 | Leumi Abl Limited | 621 | 142 | 479 |
| 29 | Sonovate Limited | 599 | 454 | 145 |
| 30 | Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD | 568 | 172 | 396 |
| 31 | Ultimate Invoice Finance Limited | 566 | 173 | 393 |
| 32 | Marketfinance Limited | 497 | 141 | 356 |
| 33 | Advantedge Commercial Finance Limited | 479 | 306 | 173 |
| 34 | Marketinvoice Limited | 474 | 103 | 371 |
| 35 | Ge Commercial Finance Limited | 444 | 21 | 423 |
| 36 | Aldermore Invoice Finance, a Division of Aldermore Bank PLC | 438 | 143 | 295 |
| 37 | Advantedge Commercial Finance (North) Limited | 412 | 271 | 141 |
| 38 | Tfg Capital Limited | 391 | 173 | 218 |
| 39 | Alex Lawrie Receivables Financing Limited | 387 | 63 | 324 |
| 40 | Igf Invoice Finance Limited | 373 | 122 | 251 |
| 41 | Calverton Finance LTD | 360 | 77 | 283 |
| 42 | Bibby Factors Scotland Limited | 340 | 123 | 217 |
| 43 | Griffin Credit Services Limited | 338 | 97 | 241 |
| 44 | Praetura Commercial Finance Limited | 327 | 202 | 125 |
| 45 | Euro Sales Finance PLC | 313 | 45 | 268 |
| 46 | Positive Cashflow Finance Limited | 304 | 151 | 153 |
| 47 | Ashley Commercial Finance Limited | 302 | 63 | 239 |
| 48 | Peak Cashflow Limited | 278 | 217 | 61 |
| 49 | Griffin Factors Limited | 276 | 57 | 219 |
| 50 | Nmb-Heller Limited | 244 | 6 | 238 |
| 51 | Centric Spv 1 Limited | 239 | 27 | 212 |
| 52 | Burdale Financial Limited | 236 | 28 | 208 |
| 53 | Confidential Invoice Discounting Limited | 218 | 25 | 193 |
| 54 | Five Arrows Commercial Finance Limited | 218 | 14 | 204 |
| 55 | Cattles Invoice Finance Limited | 217 | 54 | 163 |
| 56 | Gc Factoring LTD | 209 | 130 | 79 |
| 57 | Factor 21 PLC | 202 | 110 | 92 |
| 58 | GENER8 Finance Limited | 201 | 82 | 119 |
| 59 | Kellock Limited | 194 | 33 | 161 |
| 60 | Liquid Link Limited | 192 | 153 | 39 |
| 61 | Shire Invoice Finance Limited | 181 | 118 | 63 |
| 62 | Royal Bank Invoice Finance Limited | 181 | 27 | 154 |
| 63 | Wedo Finance LTD | 175 | 104 | 71 |
| 64 | Heritage Commercial Finance Limited | 157 | 77 | 80 |
| 65 | Bz Commercial Finance Designated Activity Company | 157 | 74 | 83 |
| 66 | Praetura Invoice Finance Limited | 152 | 116 | 36 |
| 67 | Eurofactor (UK) Limited | 151 | 8 | 143 |
| 68 | Reward Invoice Finance Limited | 149 | 66 | 83 |
| 69 | Tsb Commercial Finance Limited | 149 | 32 | 117 |
| 70 | Gmac Commercial Finance PLC | 146 | 13 | 133 |
| 71 | Satago Financial Solutions Limited | 141 | 15 | 126 |
| 72 | Rdm Factors Limited | 141 | 33 | 108 |
| 73 | Ge Capital Commercial Finance Limited | 141 | 8 | 133 |
| 74 | Gmac Commercial Credit Limited | 140 | 24 | 116 |
| 75 | Hitachi Capital (UK) PLC | 138 | 56 | 82 |
| 76 | Regency Factors Limited | 136 | 57 | 79 |
| 77 | Bibby Financial Services Limited (Security Trustee) | 135 | 37 | 98 |
| 78 | Pulse Cashflow Finance Limited | 134 | 40 | 94 |
| 79 | Kriya Finance Limited | 132 | 54 | 78 |
| 80 | Lombard Natwest Discounting Limited | 129 | 9 | 120 |
| 81 | Easy Invoice Finance Limited | 129 | 60 | 69 |
| 82 | Bibby Invoice Discounting Limited | 127 | 39 | 88 |
| 83 | Alliance & Leicester Commercial Finance PLC | 125 | 67 | 58 |
| 84 | Sallyport Commercial Finance LTD | 124 | 99 | 25 |
| 85 | Bnp Paribas Commercial Finance Limited | 117 | 61 | 56 |
| 86 | Working Capital Partners Limited | 116 | 21 | 95 |
| 87 | Partnership Invoice Finance Limited | 115 | 98 | 17 |
| 88 | Bibby Factors Limited | 114 | 44 | 70 |
| 89 | Wedo Invoice Finance LTD | 113 | 97 | 16 |
| 90 | Hitachi Capital (UK) PLC T/as Hitachi Capital Invoice Finance | 102 | 29 | 73 |
| 91 | Nucleus Cash Flow FINANCE6 Limited | 100 | 91 | 9 |
| 92 | Fortis Commercial Finance Limited | 97 | 8 | 89 |
| 93 | City Invoice Finance Limited | 95 | 10 | 85 |
| 94 | Flex Abl Limited | 94 | 72 | 22 |
| 95 | Factor 21 (North) Limited | 93 | 50 | 43 |
| 96 | Credit Agricole Leasing & Factoring S.A. | 92 | 77 | 15 |
| 97 | Trade Indemnity-Heller Commercial Finance Limited | 92 | 4 | 88 |
| 98 | Venture Factors PLC | 89 | 9 | 80 |
| 99 | Centric SPV1 Limited | 87 | 10 | 77 |
| 100 | London Scottish Invoice Finance LTD | 82 | 20 | 62 |
| 101 | Amicus Commercial Finance No 1 Limited | 82 | 43 | 39 |
| 102 | First National Invoice Finance Limited | 69 | 5 | 64 |
| 103 | Redd Factors Limited | 68 | 32 | 36 |
| 104 | Ucb Invoice Discounting Limited | 65 | 4 | 61 |
| 105 | Calverton Factors LTD | 62 | 12 | 50 |
| 106 | Hh Cashflow Finance Limited | 61 | 24 | 37 |
| 107 | First Capital Factors Limited | 61 | 13 | 48 |
| 108 | Aib Commercial Finance Limited | 59 | 31 | 28 |
| 109 | Eastern Counties Finance Limited | 57 | 14 | 43 |
| 110 | Absolute Invoice Finance LTD | 56 | 13 | 43 |
| 111 | Bibby Factors Northeast Limited | 55 | 16 | 39 |
| 112 | Ing Commercial Finance B.V. | 53 | 40 | 13 |
| 113 | Abn Amro Asset Based Finance N.V., UK Branch | 50 | 14 | 36 |
| 114 | Cattles Invoice Finance (Oxford) Limited | 49 | 10 | 39 |
| 115 | Metropolitan Factors Limited | 49 | 12 | 37 |
| 116 | Kbc Commercial Finance Nv | 48 | 38 | 10 |
| 117 | Lombard Natwest Factors Limited | 48 | 11 | 37 |
| 118 | Hill Samuel Commercial Finance Limited | 47 | 5 | 42 |
| 119 | Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT ("Close") | 46 | 30 | 16 |
| 120 | Hilldun Corporation | 46 | 27 | 19 |
| 121 | Ecapital Commercial Finance (Southwest) Limited | 45 | 39 | 6 |
| 122 | Hitachi Capital Invoice Finance LTD | 43 | 12 | 31 |
| 123 | Reedham Factors Limited | 43 | 14 | 29 |
| 124 | Dynamic Commercial Finance PLC | 42 | 8 | 34 |
| 125 | Bibby Factors International Limited | 42 | 8 | 34 |
| 126 | Aldermore Invoice Finance,a Division of Aldermore Bank PLC | 42 | 7 | 35 |
| 127 | Maddox Factoring (UK) Limited | 40 | 12 | 28 |
| 128 | Bibby Factors Sussex Limited | 40 | 9 | 31 |
| 129 | Bibby Factors Leicester Limited | 39 | 9 | 30 |
| 130 | Aldermore Invoice Finance | 39 | 16 | 23 |
| 131 | Credit Agricole Leasing & Factoring | 38 | 32 | 6 |
| 132 | Crédit Agricole Leasing & Factoring | 36 | 27 | 9 |
| 133 | Select Invoice Finance Limited | 35 | 7 | 28 |
| 134 | Bibby Factors Slough Limited | 34 | 6 | 28 |
| 135 | Pulse Cashflow Finance (Mk) Limited | 32 | 8 | 24 |
| 136 | Alex Lawrie Factors Limited | 31 | 13 | 18 |
| 137 | H & H Factors Limited | 31 | 4 | 27 |
| 138 | Bibby Factors Bristol Limited | 30 | 9 | 21 |
| 139 | Absolute Invoice Finance, a Division of Aldermore Bank PLC | 29 | 11 | 18 |
| 140 | 4SYTE Funding LTD | 28 | 15 | 13 |
| 141 | County Factors Limited | 28 | 7 | 21 |
| 142 | Royal Bank of Scotland Invoice Finance Limited | 28 | 9 | 19 |
| 143 | Ulster Factors Limited | 28 | 11 | 17 |
| 144 | Burdale Financial Limited (Security Trustee) | 26 | 0 | 26 |
| 145 | Gle Invoice Finance Limited | 25 | 5 | 20 |
| 146 | Leumi Abl Limited (Leumi) | 22 | 0 | 22 |
| 147 | Bibby Factors West Midlands Limited | 22 | 5 | 17 |
| 148 | Causeway Invoice Discounting Company Limited | 21 | 0 | 21 |
| 149 | Arbuthnot Factors Limited | 21 | 11 | 10 |
| 150 | Redd Factors-UK Limited | 21 | 17 | 4 |
| 151 | Maddox Bibby Factors Limited | 19 | 10 | 9 |
| 152 | Pulse Cashflow Finance 2 LTD | 18 | 3 | 15 |
| 153 | The Royal Bank of Scotland Invoice Discounting Limited | 16 | 4 | 12 |
| 154 | Bibby Factors Sunderland Limited | 15 | 3 | 12 |
| 155 | Crédit Agricole Leasing & Factoring S.A. | 15 | 8 | 7 |
| 156 | Bibby Factors Bedford Limited | 13 | 5 | 8 |
| 157 | Ester Finance Technologies | 12 | 10 | 2 |
| 158 | Tsb Factors Limited | 12 | 1 | 11 |
| 159 | Bibby Factors Manchester Limited | 10 | 0 | 10 |
| 160 | Lloyds Bank Commercial Finance Limited, No 1 Brookhill Way, Banbury, Oxon, OX16 3EL | 10 | 5 | 5 |
| 161 | Sygnet Invoice Finance LTD | 8 | 2 | 6 |
| 162 | Single Invoice Finance Limited | 8 | 0 | 8 |
| 163 | Lloyds Tsb Commercial Finance Limited (Ltsbcf) | 7 | 0 | 7 |
| 164 | International Factors Limited | 6 | 1 | 5 |
| 165 | Pnc Business Credit | 6 | 2 | 4 |
| 166 | Coface Receivables Finance Limited | 6 | 0 | 6 |
| 167 | Bibby Trade Factors Limited | 5 | 1 | 4 |
| 168 | Rbs Invoice Limited | 4 | 2 | 2 |
| 169 | Alex Lawrie Receivable Financing Limited | 4 | 0 | 4 |
| 170 | Aldermore Bank PLC | 4 | 1 | 3 |
| 171 | Lloyds Tsb Commercial Finance Limited (The "Security Trustee") | 4 | 0 | 4 |
| 172 | Wells Fargo Capital Finance (UK) Limited Acting in Capacity as Security Trustee | 4 | 4 | 0 |
| 173 | Trade Indemnity -Heller Commercial Finance Limited | 3 | 0 | 3 |
| 174 | Pnc Business Credit a Trading Style of Pnc Financial Services UK LTD (Pnc) | 3 | 0 | 3 |
| 175 | Lloyds Tsb Commercial Finance Limited, No 1 Brookhill Way, Oxon, OX16 3EL | 3 | 2 | 1 |
| 176 | Rbs Invoice Finance Limited (The "Security Agent") | 3 | 0 | 3 |
| 177 | Rbs Invoice Finance Limted | 3 | 0 | 3 |
| 178 | Royscot Factors Limited | 3 | 1 | 2 |
| 179 | Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT | 3 | 3 | 0 |
| 180 | Wells Fargo Capital Finance, Llc (The Agent) | 3 | 0 | 3 |
| 181 | The Royal Bank of Scotland Invoice Finance Limited | 2 | 2 | 0 |
| 182 | Bibby Financial Service Limited | 2 | 0 | 2 |
| 183 | Pnc Financial Services UK LTD | 2 | 0 | 2 |
| 184 | Lloyds Bank Commercial Finance Limited (No. 733011) | 2 | 2 | 0 |
| 185 | Anglo Factoring Services Limited | 2 | 0 | 2 |
| 186 | Hsbc Invoice Finance Limited | 2 | 1 | 1 |
| 187 | Pulse Cashflow Finance Limited (The Chargee) | 2 | 0 | 2 |
| 188 | Trade-Indemnity-Heller Commercial Finance Limited | 1 | 0 | 1 |
| 189 | Lloyds Tsb Commercial Finance Limtied | 1 | 0 | 1 |
| 190 | Confidential Invoice Discounting Agreement | 1 | 0 | 1 |
| 191 | Burdale Financial Limited as Trustee for the Finance Parties (The Agent) | 1 | 0 | 1 |
| 192 | Confidentail Invoice Discounting Limited | 1 | 0 | 1 |
| 193 | 1LOYDS Tsb Commercial Finance Limited | 1 | 0 | 1 |
| 194 | Bibby Factors Interantional Limited | 1 | 0 | 1 |
| 195 | Close Invoice Finance Limited, 10 Crown Place, London EC2A 4FT("Close") | 1 | 1 | 0 |
| 196 | City Electrical Factors (Iom) Limited | 1 | 1 | 0 |
| 197 | Lloyds Tsb Commerical Finance LTD | 1 | 1 | 0 |
| 198 | Nmb Heller N.V. | 1 | 0 | 1 |
| 199 | Habc Invoice Finance (UK) LTD (the Security Holder) | 1 | 0 | 1 |
| 200 | Sme Invoice Limited | 1 | 0 | 1 |
| 201 | Alex Lawrie Recievables Fiancing Limited | 1 | 0 | 1 |
| 202 | Skipton Business Finance Liited | 1 | 0 | 1 |
| 203 | Hsbc Invoice Finance Linited (The Security Trustee) | 1 | 1 | 0 |
| 204 | Hsbc Invoice Finnace (UK) LTD (the Security Holder) | 1 | 0 | 1 |
| 205 | Red Factors Limited | 1 | 0 | 1 |
| 206 | Lloyds Bank Commercial Finance Limitedq | 1 | 1 | 0 |
| 207 | Rbs Rbs Invoice Finance Limited | 1 | 1 | 0 |

Source: Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk

Aggregate of public filings: a scan of 85,449 invoice-finance debentures across 207 lenders through 2026-09-28, not the complete register. Lender shares are indicative of the scanned sample.

Read this as a sample of the public register, not a market-share table

“This ranks lenders by debentures we counted on the live Companies House register of charges, which is a sample of public filings rather than the whole market. A debenture count is not the same as funded volume or market share: a bank writing a few very large facilities can fund far more than a specialist with many small ones. Treat the order as indicative of register activity in the scanned sample, and price any switch on your own quotes, not on league position.”

Oliver Mackman

Director, Best Business Loans Ltd, Market Invoice

Comment dated 15 June 2026

Methodology and source

This is aggregate analysis of public filings. The primary source is Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk. Aggregate of public filings; a scan of UK invoice-finance debentures, not the complete register.

We counted the debentures held by each invoice finance lender on the live register and split them into outstanding (live) and satisfied (ended) charges, then ranked lenders by total. A live charge is simply not recorded as satisfied; Companies House does not require a lender to file when a charge is satisfied, so this does not prove the facility is still running.

A satisfied charge points to a facility that has closed, which is why a high "ended" count can flag a book that has churned or re-shopped.

For scale, UK Finance's own current invoice finance and asset-based lending page gives no precise client count ("tens of thousands of UK client businesses", undated); third-party reporting citing UK Finance data puts the figure at approximately 40,000 UK businesses as of 2024-2025 (ukfinance.org.uk/our-expertise/commercial-finance/invoice-finance-and-asset-based-lending, checked 2026-09-28).

Superseded a stale December 2017 figure (~42,000, likely including Republic of Ireland membership) that was not dated on this page before. This page is a scan of 85,449 debentures across 207 lenders through 2026-09-28, so it is NOT the complete register and the lender shares are indicative of the scanned sample rather than a definitive market-share table.

The table ranks lenders only, from public Companies House data; it does not identify or profile any individual borrower.

Cite this dataset

To reference these figures, please cite the author and link to this page:

Parker, A. (2026). UK Invoice Finance Lender League Table [Data set]. Muswell Rose Consulting Ltd. https://marketinvoice.co.uk/data/uk-invoice-finance-lender-league-table/ (data as at 2026-09-28). Licensed CC BY 4.0.

Related: UK Invoice Finance Rate Index (provider terms and pricing), UK Invoice Finance Market Activity tracker, and UK Days to Pay by Sector. If you already have a debenture with one of the lenders above and want to compare what else is out there, the provider directory and free quote tool are the place to start.

Author: Adam Parker (ORCID 0009-0008-0368-4408)

Publisher: Muswell Rose Consulting Ltd (company number 15269776). This page is hosted on MarketInvoice. The figures are aggregate counts from public sources with the method stated on the page.

Last updated: 18 June 2026

UK Invoice Finance Lender League Table

Lender league table, most debentures first

Methodology and source

Cite this dataset

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