Accelerated Payments Review
Accelerated Payments is a Dublin-headquartered selective invoice finance provider with a London office, serving UK and Irish businesses. Operating since 2017, it says it has funded more than €2.5bn across 240,000+ invoices, with debtors in 40+ countries. Two standout features in the UK market: no personal guarantee in most cases, and genuine selective funding (you pick the invoices or customers). Facilities run from £250k to £10m. Best fit for exporters and internationally trading SMEs that want flexibility without committing personal director security.
What this page covers
This page covers
Accelerated Payments selective and whole-turnover invoice finance, no-PG policy, volume financed, country coverage and best-fit business profile
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
The No-PG Underwriting Model
Accelerated Payments underwrites on the quality of each funded invoice and the creditworthiness of each named debtor, rather than on personal director security. This is unusual in UK invoice finance: most independents ask for personal guarantees from directors with 25%+ shareholding, and even bank-backed providers (Aldermore, Close Brothers) require PGs for most facility sizes.
The trade-off is debtor-level due diligence. Each customer added to the facility goes through credit checks and has to be insurable, since credit insurance is built in, and individual invoice underwriting can reject invoices that a whole-ledger lender would accept on average. Accelerated Payments says it applies no debtor concentration caps, so the model fits businesses with a few large, creditworthy B2B customers better than long-tail mixed-credit ledgers.
Pros and Cons
Strengths
- No personal guarantee on the majority of files
- Genuine selective invoice finance: no minimum volume, no monthly fees
- Debtors funded across 40+ countries, in GBP, EUR and USD
- Non-recourse, with credit insurance included
- Track record: more than €2.5bn funded since 2017 (its own figure)
- Best-in-class for UK exporters with EU / US / Asia customers
Limitations
- Selective, per-invoice funding usually costs more per pound than whole-turnover
- Facilities start at £250k, too large for the smallest businesses
- Individual invoice underwriting means some invoices can be declined
- Dublin HQ may feel distant for UK-only files needing UK relationship management
- Less sector-specific expertise than UK domestic specialists (construction, recruitment)
Best For / Less Suitable For
Best for
- UK exporters with EU, US, or major Asian customer bases
- UK SMEs with concentrated blue-chip B2B customers
- Directors who want to avoid personal guarantees on commercial debt
- Businesses needing selective per-invoice funding rather than full-ledger commitment
- IT services, recruitment, manufacturing with international customer concentration
Less suitable for
- UK-only businesses with long-tail mixed-credit debtor ledgers (use whole-turnover)
- Construction stage-billing files (use UK construction specialists)
- Recruitment payroll-cycle facilities (use Sonovate)
- Businesses on tight margins where a selective-finance pricing premium matters
- Files needing UK regional relationship management
Pricing Reality
Accelerated Payments does not publish a rate card, fees or advance rates; each facility is quoted individually. As a rule, selective invoice finance with no personal guarantee and built-in credit insurance costs more per pound funded than a whole-turnover facility, so compare the all-in cost against a quote from a whole-turnover provider.
- Fees and advance rate: quoted per facility, not published
- Facility size: £250k to £10m
- Terms: from non-contractual arrangements to 6 or 12-month terms
- Currencies: GBP, EUR and USD
- Credit insurance included as standard (non-recourse)
- No personal guarantee or debenture in most cases
Use the cost calculator to model your specific Accelerated Payments facility.
How Accelerated Payments Compares
| Vs. | Accelerated Payments wins on | Other wins on |
|---|---|---|
| Hydr | International coverage, no-PG model, larger ticket size capability | UK-focus, faster small-ticket decisions, lower entry threshold |
| Bibby Financial Services | No-PG flexibility, cross-border coverage, true selective product | UK brand recognition, sector specialism, regional relationship managers, scale |
Application Path
Submit standard KYC (Companies House data, director ID, last 6 months bank statements), recent aged debtor report, sample invoices to top 5 customers, and last filed accounts. Customer-level credit checks run during onboarding. Once live, individual invoices are submitted and managed through the online client platform.
Our Verdict
Accelerated Payments is one of the strongest options in the UK selective invoice finance market, especially for exporters and internationally trading SMEs. The no-personal-guarantee underwriting model is a genuine differentiator: most UK independents and even bank-backed providers require PGs as standard.
Premium pricing and the £250k facility floor are the trade-offs. For UK businesses with concentrated blue-chip international customers, Accelerated Payments often beats traditional whole-turnover providers on flexibility and is competitive on net cost despite the higher headline rate.
Official site: Accelerated Payments
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.
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