FI Capital Invoice Finance
FI Capital funds individual invoices rather than whole sales ledgers. Its own site describes a "fast cash advance for completed work, on a single or selection of invoices", with up to 80% of the invoice value advanced and the remaining 20%, less a fee, paid when your customer settles (FI Capital's website).
FI Capital suits a business that wants to fund the odd invoice without signing up to a whole-ledger facility, and it states there are no long-term contracts. More detail + scope
This page covers
FI Capital's single and selective invoice finance product, advance rate, fee example and when a whole-ledger facility suits better
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
Source: FI Capital's website, checked September 2026.
When FI Capital Invoice Finance Fits
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A one-off large invoice with long payment terms
Funding a single invoice avoids tying the whole sales ledger into a facility for the sake of one slow payer.
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Occasional cash gaps rather than a constant need
With no long-term contract, you use it when a gap appears and not otherwise.
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Smaller businesses testing invoice finance for the first time
A per-invoice fee is easier to understand up front than a service charge plus discount margin on a whole-ledger facility.
When to Look Elsewhere
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Businesses funding most of their invoices every month
A whole-ledger factoring or discounting facility usually works out cheaper at volume than paying a fee per invoice. Compare providers such as Bibby Financial Services or Close Brothers.
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Businesses that need customers not to know
FI Capital does not describe a confidential invoice discounting product on its site. Look at lenders that offer confidential discounting.
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Businesses wanting a higher advance
FI Capital advances up to 80%. Some other selective finance providers, such as Triver, may advance more; check their current terms.
How FI Capital Invoice Finance Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| Ultimate Finance | both | £50k | Not published | 90% | 2-3 days |
| Bibby Financial Services | both | £100k | Not published | 85% | 3-5 days |
| Time Finance | both | £50k | Not published | 85% | 3-4 days |
| IGF Invoice Finance | both | £2m (£5m+ turnover) | Not published | 90% | 5-7 days |
The lenders above run whole-ledger facilities, a different product from FI Capital's per-invoice funding. Figures are indicative; confirm current terms with each lender.
Worked Example
FI Capital's own example: a single £10,000 invoice
Figures from FI Capital's homepage example. Your fee depends on the invoice and customer.
Setting Up With FI Capital Invoice Finance
- 1
Apply online
FI Capital says you can apply within minutes.
- 2
Submit the invoice or invoices you want funded
You choose a single invoice or a selection. Expect the funder to check the invoice and your customer before advancing.
- 3
Receive the advance, then the balance
Up to 80% is paid, as soon as the same day according to FI Capital. The remaining 20%, less the fee, follows when your customer pays.
FAQs
Do I have to finance my whole sales ledger with FI Capital?
No. FI Capital funds a single invoice or a selection of invoices, and states there are no long-term contracts.
How much does FI Capital charge?
It charges a fee deducted from the balance when your customer pays. Its homepage example shows £150 on a £10,000 invoice. It does not publish a full rate card, so get a quote for your own invoice.
Is per-invoice funding more expensive than a full facility?
Per invoice it often is, because you are paying for flexibility. If you would fund most invoices every month, compare the total cost against a whole-ledger factoring or discounting quote.
Our Verdict
FI Capital is a simple option for funding individual invoices without a long-term contract. It is not a whole-ledger factoring or discounting provider, so businesses with a constant funding need should compare full facilities too.
Official site: FI Capital
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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