UK Invoice Finance Market Activity
Each month we count invoice finance debenture status changes observed at Companies House and break them down by lender. Since we began capturing the charges stream in June 2026, the events we have seen have been overwhelmingly satisfactions: facilities being paid off or released, not new ones being taken out. It is a live read on which UK invoice finance providers' facilities are closing out, built first-party from the Companies House charges stream under the Open Government Licence. For the front-loaded study version with the headline finding and a citable chart, see the UK Invoice Finance Lender Index 2026.
This month, from Market Invoice
In July 2026, 488 invoice finance debenture status changes were observed across the 33 UK lenders we track and down 7.9 year on year. The lender with the most status changes was Bibby Financial Services, with 72.
Figures are charge status-change events classified by the chargee (the lender), counted on the date we observed them, not the charge's original filing date. Read the methodology below for what this does and does not capture.
Leading UK invoice finance lenders
Ranked by Market Invoice's editorial assessment of rate, advance rate, setup speed and contract flexibility, our standing view of the strongest providers in the market. This is a qualitative ranking, not the monthly debenture activity below.
| Rank | Lender | Type | Rating |
|---|---|---|---|
| 1 | Sonovate | Recruitment specialist | 4.6 |
| 2 | Close Brothers Invoice Finance | Independent | 4.5 |
| 3 | Bibby Financial Services | Independent | 4.4 |
| 4 | Ultimate Finance | Independent | 4.3 |
| 5 | Aldermore Invoice Finance | Independent | 4.2 |
| 6 | Skipton Business Finance | Independent | 4.2 |
| 7 | Novuna Business Finance | Independent | 4.2 |
| 8 | Hydr | Fintech | 4.2 |
| 9 | IGF (Independent Growth Finance) | Independent | 4.1 |
| 10 | Time Finance | Independent | 4.1 |
| 11 | Lloyds Bank Commercial Finance | Bank / bank-backed | 4.0 |
| 12 | HSBC Invoice Finance | Bank / bank-backed | 4.0 |
| 13 | eCapital | Independent | 4.0 |
| 14 | White Oak (UK) | Independent | 4.0 |
| 15 | Barclays Invoice Finance | Bank / bank-backed | 3.9 |
Methodology behind the scores: UK Invoice Finance Rate Index. For activity (who is writing the most new facilities), see the monthly tracker below.
Debenture status changes by lender, July 2026
| Rank | Lender | Category | Status changes |
|---|---|---|---|
| 1 | Bibby Financial Services | large_indep | 72 |
| 2 | eCapital Commercial Finance | large_indep | 49 |
| 3 | Tallaght Financial LTD | unclassified | 45 |
| 4 | HSBC Invoice Finance | bank | 36 |
| 5 | RBS / NatWest Invoice Finance | bank | 31 |
| 6 | Lloyds Bank Commercial Finance | bank | 30 |
| 7 | 4Syte | mid_indep | 23 |
| 8 | Apollo Business Finance | mid_indep | 22 |
| 9 | Nucleus Cash Flow FINANCE2 Limited | unclassified | 21 |
| 10 | Cynergy Business Finance | large_indep | 20 |
| 11 | Quba Solutions | specialist | 18 |
| 12 | Team Factors | mid_indep | 18 |
| 13 | Praetura Commercial Finance | large_indep | 17 |
| 14 | Skipton Business Finance | large_indep | 14 |
| 15 | Igf Business Credit Limited | unclassified | 10 |
| 16 | Time Invoice Finance Limited | unclassified | 10 |
| 17 | Shire Invoice Finance | mid_indep | 7 |
| 18 | Credit Agricole Leasing & Factoring S.A. | unclassified | 6 |
| 19 | Arbuthnot Latham & Co | specialist | 4 |
| 20 | Gc Factoring LTD | unclassified | 4 |
| 21 | Tfg Capital Limited | unclassified | 4 |
| 22 | Close Brothers Invoice Finance | large_indep | 3 |
| 23 | Kriya Finance Limited | unclassified | 3 |
| 24 | Nucleus Cash Flow FINANCE6 Limited | unclassified | 3 |
| 25 | Peak Cashflow | mid_indep | 3 |
| 26 | Sallyport Commercial Finance | mid_indep | 3 |
| 27 | Sme Invoice Finance Limited | unclassified | 3 |
| 28 | Wedo Invoice Finance LTD | unclassified | 3 |
| 29 | Flex Abl Limited | unclassified | 2 |
| 30 | Crédit Agricole Leasing & Factoring | unclassified | 1 |
| 31 | Hilldun Corporation | unclassified | 1 |
| 32 | Wells Fargo Capital Finance (UK) Limited | unclassified | 1 |
| 33 | Zodeq | specialist | 1 |
Edition data: 2026-07.json (machine-readable, CC BY 4.0).
| Rank | Lender | Category | Status changes |
|---|---|---|---|
| 1 | Bibby Financial Services | large_indep | 72 |
| 2 | eCapital Commercial Finance | large_indep | 49 |
| 3 | Tallaght Financial LTD | unclassified | 45 |
| 4 | HSBC Invoice Finance | bank | 36 |
| 5 | RBS / NatWest Invoice Finance | bank | 31 |
| 6 | Lloyds Bank Commercial Finance | bank | 30 |
| 7 | 4Syte | mid_indep | 23 |
| 8 | Apollo Business Finance | mid_indep | 22 |
| 9 | Nucleus Cash Flow FINANCE2 Limited | unclassified | 21 |
| 10 | Cynergy Business Finance | large_indep | 20 |
| 11 | Quba Solutions | specialist | 18 |
| 12 | Team Factors | mid_indep | 18 |
| 13 | Praetura Commercial Finance | large_indep | 17 |
| 14 | Skipton Business Finance | large_indep | 14 |
| 15 | Igf Business Credit Limited | unclassified | 10 |
| 16 | Time Invoice Finance Limited | unclassified | 10 |
| 17 | Shire Invoice Finance | mid_indep | 7 |
| 18 | Credit Agricole Leasing & Factoring S.A. | unclassified | 6 |
| 19 | Arbuthnot Latham & Co | specialist | 4 |
| 20 | Gc Factoring LTD | unclassified | 4 |
| 21 | Tfg Capital Limited | unclassified | 4 |
| 22 | Close Brothers Invoice Finance | large_indep | 3 |
| 23 | Kriya Finance Limited | unclassified | 3 |
| 24 | Nucleus Cash Flow FINANCE6 Limited | unclassified | 3 |
| 25 | Peak Cashflow | mid_indep | 3 |
| 26 | Sallyport Commercial Finance | mid_indep | 3 |
| 27 | Sme Invoice Finance Limited | unclassified | 3 |
| 28 | Wedo Invoice Finance LTD | unclassified | 3 |
| 29 | Flex Abl Limited | unclassified | 2 |
| 30 | Crédit Agricole Leasing & Factoring | unclassified | 1 |
| 31 | Hilldun Corporation | unclassified | 1 |
| 32 | Wells Fargo Capital Finance (UK) Limited | unclassified | 1 |
| 33 | Zodeq | specialist | 1 |
Source: Market Invoice, from the Companies House charges stream (Open Government Licence v3.0), aggregation CC BY 4.0
View as plain-text Markdown
### UK invoice finance debenture status changes by lender, July 2026 | Rank | Lender | Category | Status changes | | --- | --- | --- | --- | | 1 | Bibby Financial Services | large_indep | 72 | | 2 | eCapital Commercial Finance | large_indep | 49 | | 3 | Tallaght Financial LTD | unclassified | 45 | | 4 | HSBC Invoice Finance | bank | 36 | | 5 | RBS / NatWest Invoice Finance | bank | 31 | | 6 | Lloyds Bank Commercial Finance | bank | 30 | | 7 | 4Syte | mid_indep | 23 | | 8 | Apollo Business Finance | mid_indep | 22 | | 9 | Nucleus Cash Flow FINANCE2 Limited | unclassified | 21 | | 10 | Cynergy Business Finance | large_indep | 20 | | 11 | Quba Solutions | specialist | 18 | | 12 | Team Factors | mid_indep | 18 | | 13 | Praetura Commercial Finance | large_indep | 17 | | 14 | Skipton Business Finance | large_indep | 14 | | 15 | Igf Business Credit Limited | unclassified | 10 | | 16 | Time Invoice Finance Limited | unclassified | 10 | | 17 | Shire Invoice Finance | mid_indep | 7 | | 18 | Credit Agricole Leasing & Factoring S.A. | unclassified | 6 | | 19 | Arbuthnot Latham & Co | specialist | 4 | | 20 | Gc Factoring LTD | unclassified | 4 | | 21 | Tfg Capital Limited | unclassified | 4 | | 22 | Close Brothers Invoice Finance | large_indep | 3 | | 23 | Kriya Finance Limited | unclassified | 3 | | 24 | Nucleus Cash Flow FINANCE6 Limited | unclassified | 3 | | 25 | Peak Cashflow | mid_indep | 3 | | 26 | Sallyport Commercial Finance | mid_indep | 3 | | 27 | Sme Invoice Finance Limited | unclassified | 3 | | 28 | Wedo Invoice Finance LTD | unclassified | 3 | | 29 | Flex Abl Limited | unclassified | 2 | | 30 | Crédit Agricole Leasing & Factoring | unclassified | 1 | | 31 | Hilldun Corporation | unclassified | 1 | | 32 | Wells Fargo Capital Finance (UK) Limited | unclassified | 1 | | 33 | Zodeq | specialist | 1 | Source: Market Invoice, from the Companies House charges stream (Open Government Licence v3.0), aggregation CC BY 4.0
Archive
- July 2026: 488 status changes
- June 2026: 572 status changes
- May 2026: 500 status changes
- April 2026: 516 status changes
- March 2026: 589 status changes
- February 2026: 469 status changes
- January 2026: 441 status changes
- December 2025: 559 status changes
- November 2025: 517 status changes
- October 2025: 565 status changes
- September 2025: 618 status changes
- August 2025: 476 status changes
- July 2025: 530 status changes
- June 2025: 457 status changes
- May 2025: 447 status changes
- April 2025: 524 status changes
- March 2025: 530 status changes
- February 2025: 450 status changes
- January 2025: 378 status changes
- December 2024: 416 status changes
- November 2024: 429 status changes
- October 2024: 668 status changes
- September 2024: 400 status changes
- August 2024: 398 status changes
- July 2024: 555 status changes
- June 2024: 418 status changes
- May 2024: 474 status changes
- April 2024: 485 status changes
- March 2024: 424 status changes
- February 2024: 466 status changes
- January 2024: 345 status changes
- December 2023: 388 status changes
- November 2023: 423 status changes
- October 2023: 408 status changes
- September 2023: 408 status changes
- August 2023: 331 status changes
- July 2023: 327 status changes
- June 2023: 502 status changes
- May 2023: 407 status changes
- April 2023: 371 status changes
- March 2023: 385 status changes
- February 2023: 361 status changes
- January 2023: 237 status changes
- December 2022: 297 status changes
- November 2022: 368 status changes
- October 2022: 336 status changes
- September 2022: 364 status changes
- August 2022: 353 status changes
- July 2022: 374 status changes
- June 2022: 296 status changes
- May 2022: 360 status changes
- April 2022: 312 status changes
- March 2022: 362 status changes
- February 2022: 267 status changes
- January 2022: 260 status changes
- December 2021: 296 status changes
- November 2021: 273 status changes
- October 2021: 312 status changes
- September 2021: 416 status changes
- August 2021: 356 status changes
- July 2021: 305 status changes
- June 2021: 326 status changes
- May 2021: 286 status changes
- April 2021: 277 status changes
- March 2021: 408 status changes
- February 2021: 247 status changes
- January 2021: 178 status changes
- December 2020: 244 status changes
- November 2020: 220 status changes
- October 2020: 252 status changes
- September 2020: 240 status changes
- August 2020: 185 status changes
- July 2020: 184 status changes
- June 2020: 196 status changes
- May 2020: 136 status changes
- April 2020: 213 status changes
- March 2020: 382 status changes
- February 2020: 351 status changes
- January 2020: 300 status changes
- December 2019: 376 status changes
- November 2019: 354 status changes
- October 2019: 395 status changes
- September 2019: 327 status changes
- August 2019: 363 status changes
- July 2019: 451 status changes
- June 2019: 304 status changes
- May 2019: 324 status changes
- April 2019: 350 status changes
- March 2019: 365 status changes
- February 2019: 333 status changes
- January 2019: 301 status changes
- December 2018: 307 status changes
- November 2018: 339 status changes
- October 2018: 356 status changes
- September 2018: 296 status changes
- August 2018: 342 status changes
- July 2018: 329 status changes
- June 2018: 334 status changes
- May 2018: 333 status changes
- April 2018: 323 status changes
- March 2018: 322 status changes
- February 2018: 247 status changes
- January 2018: 221 status changes
- December 2017: 265 status changes
- November 2017: 308 status changes
- October 2017: 312 status changes
- September 2017: 245 status changes
- August 2017: 323 status changes
- July 2017: 294 status changes
- June 2017: 287 status changes
- May 2017: 306 status changes
- April 2017: 266 status changes
- March 2017: 368 status changes
- February 2017: 241 status changes
- January 2017: 260 status changes
- December 2016: 268 status changes
- November 2016: 274 status changes
- October 2016: 346 status changes
- September 2016: 271 status changes
- August 2016: 274 status changes
- July 2016: 294 status changes
- June 2016: 249 status changes
- May 2016: 275 status changes
- April 2016: 303 status changes
- March 2016: 255 status changes
- February 2016: 289 status changes
- January 2016: 207 status changes
- December 2015: 262 status changes
- November 2015: 242 status changes
- October 2015: 301 status changes
- September 2015: 232 status changes
- August 2015: 241 status changes
- July 2015: 311 status changes
- June 2015: 273 status changes
- May 2015: 240 status changes
- April 2015: 231 status changes
- March 2015: 297 status changes
- February 2015: 222 status changes
- January 2015: 231 status changes
Methodology
Every charge (debenture) event at Companies House, whether it's a brand new registration or a status update to a charge already on file (most commonly a satisfaction, where the facility has been paid off or released) is published in real time on the Companies House charges streaming API. We consume that stream continuously and keep only the events whose registered chargee (the persons entitled field) matches our curated list of UK invoice finance lenders. Each kept event is recorded once, by the date we observed it on the stream, not the charge's original filing date (which can be decades earlier), and aggregated into a monthly total per lender.
We started capturing this stream in June 2026. Since then, almost every event we have observed has been a status change, overwhelmingly satisfactions, not a newly filed charge (each monthly edition states the exact split via new_charges_observed and status_changes_observed in the machine-readable data). That means this dataset today is best read as a monthly read on which lenders' invoice finance facilities are closing out, not on new facility wins. We are not confident this near-zero new-registration rate reflects true market activity rather than a gap in what the stream surfaces; we're stating the figures as observed rather than smoothing over that uncertainty. A lender with many status changes has more of its existing book moving (in either direction) than one with few; this is not a ranking of loan quality, size, or new business volume. Lender classification is by name matching against the published list below; where a parent bank files charges for unrelated lending (mortgages, asset finance) those are excluded because they do not carry an invoice finance entity name. We do not estimate or fill gaps: if the stream did not capture an event, it is not counted.
Source data is Crown copyright, published by Companies House under the Open Government Licence v3.0. Our monthly aggregation is published under a Creative Commons Attribution 4.0 licence: reuse the figures with attribution to the author, Adam Parker (see the suggested citation below). The dataset is compiled and maintained by Adam Parker and published by Muswell Rose Consulting Ltd; this page is hosted on MarketInvoice.
Lender coverage (38 lenders tracked)
These are the invoice finance lenders we classify from the charges stream. Published for transparency so the method is auditable.
| Lender | Category |
|---|---|
| Arbuthnot Latham & Co | specialist |
| Bibby Financial Services | large_indep |
| Lloyds Bank Commercial Finance | bank |
| eCapital Commercial Finance | large_indep |
| Apollo Business Finance | mid_indep |
| RBS / NatWest Invoice Finance | bank |
| HSBC Invoice Finance | bank |
| Team Factors | mid_indep |
| Time Finance | large_indep |
| Novuna Business Finance | large_indep |
| Close Brothers Invoice Finance | large_indep |
| Skipton Business Finance | large_indep |
| Quba Solutions | specialist |
| Shire Invoice Finance | mid_indep |
| Ultimate Finance | large_indep |
| Zodeq | specialist |
| 4Syte | mid_indep |
| WeDo Finance | mid_indep |
| Cynergy Business Finance | large_indep |
| Castlebridge Finance | mid_indep |
| IGF (Independent Growth Finance) | large_indep |
| Investec Capital Solutions | bank |
| Secure Trust Bank Commercial Finance | large_indep |
| Paragon Business Finance | mid_indep |
| Sallyport Commercial Finance | mid_indep |
| Peak Cashflow | mid_indep |
| Sonovate | specialist |
| Praetura Commercial Finance | large_indep |
| Metro Bank Invoice Finance | bank |
| Leumi ABL | large_indep |
| Liquid Link | specialist |
| Giant Finance | specialist |
| Optimum SME Finance | mid_indep |
| Partnership Invoice Finance | mid_indep |
| Grenke | mid_indep |
| Pulse Finance | large_indep |
| Simplicity Finance | mid_indep |
| FI Capital | mid_indep |
See also the UK Invoice Finance Rate Index (provider terms and pricing) and the full provider directory.
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:
Cite this dataset
To reference these figures, please cite the author and link to this page:
Parker, A. (2026). UK Invoice Finance Market Activity [Data set]. Muswell Rose Consulting Ltd. https://marketinvoice.co.uk/data/uk-invoice-finance-market-activity/ (data as at 2026-09-28). Licensed CC BY 4.0.