BZ Commercial Finance
BZ Commercial Finance is a large-ticket lender, not an SME invoice finance provider. It describes its business as "bespoke, multi-jurisdictional asset-based and cash flow solutions" and says it can underwrite and hold positions "from £20 million to £200 million", with £5 billion advanced to date (BZ's website).
BZ is relevant only to businesses raising asset-based or receivables funding in the tens of millions. Smaller businesses looking for invoice finance should compare SME lenders instead. More detail + scope
This page covers
What BZ Commercial Finance does, its deal size, and when to use an SME invoice finance lender instead
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
Source: BZ's website, checked September 2026.
When BZ Commercial Finance Fits
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Large businesses needing £20m or more
BZ's stated position size starts at £20 million, well above the facilities most SME lenders provide.
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Groups with assets in more than one country
BZ describes its solutions as multi-jurisdictional.
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Change events such as refinancing or growth
BZ positions its facilities as support for change and growth, with receivables and other assets combined in one structure.
When to Look Elsewhere
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Almost every SME
If you need a facility below £20 million, BZ is not the right lender. Start with our provider directory or compare SME lenders such as Bibby Financial Services, Close Brothers or Ultimate Finance.
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Mid-market businesses below BZ's range
Asset-based lenders focused on the mid-market, such as IGF, work with smaller facilities than BZ.
Setting Up With BZ Commercial Finance
BZ does not publish an application process or timescale. Deals of this size are usually arranged through advisers, with due diligence on receivables, stock and other assets across each jurisdiction involved. Contact BZ directly for its requirements.
FAQs
Does BZ Commercial Finance offer invoice finance to small businesses?
Not on the evidence of its own site, which gives a position size of £20 million to £200 million. Receivables finance is part of its offer, but at a scale far above SME invoice finance.
What does BZ charge?
BZ does not publish pricing. Terms on deals of this size are negotiated case by case.
Our Verdict
BZ Commercial Finance is a specialist large-ticket asset-based and cash flow lender. It is listed here for completeness; if your business needs less than £20 million, compare SME invoice finance lenders instead.
Official site: BZ
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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