InvoiceFair / Financefair
InvoiceFair now trades as Financefair (invoicefair.com redirects to financefair.com). It is an Irish funder for established, revenue-generating businesses in Ireland and the UK, offering invoice discounting, finance against individual invoices, revenue-based finance and development finance. It says it gives an indicative offer within 24 hours of a funding request, pays funds within 24 hours of approval, and doesn't take personal guarantees.
Financefair doesn't publish its rates, advance levels or a minimum size; it quotes each request after reviewing read-only access to your financial data. More detail + scope
This page covers
What InvoiceFair / Financefair offers now, who it funds, and how it compares
Not covered here
Whole-ledger factoring and discounting (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)
Key Facts
When InvoiceFair / Financefair Fits
-
Established businesses that want to fund individual invoices
Financefair offers funding against individual invoices when you need it, as well as a full invoice discounting line, so you don't have to commit your whole ledger.
-
Directors who won't give a personal guarantee
Financefair says its funding comes with no personal guarantees, which many invoice finance providers ask for as standard.
-
Scaling firms with recurring revenue, especially SaaS
Alongside invoice funding, Financefair lends against recurring revenue, so a subscription business can borrow against future monthly revenue as well as issued invoices.
When to Look Elsewhere
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Businesses invoicing £50k+ monthly with consistent volumes across 10+ debtors
Better fit: Close Brothers. A whole-turnover facility will typically offer lower unit costs once you reach sustained volume, as the lender's fixed costs are spread across your full ledger.
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Recruitment agencies or contractors needing same-day funding against timesheets
Better fit: Sonovate. Specialist recruitment finance platforms offer integrated payroll funding and faster turnaround tailored to temporary labour sectors.
How InvoiceFair / Financefair Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| Triver | both | £25k | 1.5% | 90% | 2 days |
| Pulse Finance | discounting | £50k | rates vary by sector and turnover | 85% | 1-2 days |
| Skipton Business Finance | both | £100k | Not published | 90% | 5-7 days |
vs Triver: Triver is a direct lender with fixed-price spot discounting, whereas Financefair is aimed at established, scaling businesses in Ireland and the UK.
vs Pulse Finance: Pulse offers whole-ledger invoice finance and invoice discounting on a committed facility, better for regular users, while Financefair also offers one-off funding against individual invoices.
vs Skipton Business Finance: Skipton requires whole-turnover assignment and higher minimums but delivers lower service charges for businesses with established ledgers and volumes.
Illustrative worked example
Hypothetical: a B2B services firm with £250k turnover funding one £20,000 invoice, outstanding for a month
Not a real client. The charges are illustrative assumptions, not Financefair's published rates; Financefair quotes each facility individually. Monthly cost = £600 service charge (3% of £20,000) plus about £103 discount charge (7.25% a year on £17,000 drawn for a month, at the 3.75% Bank of England base rate).
Setting Up With InvoiceFair / Financefair
- 1
Submit a funding request
Apply online and give Financefair secure, read-only access to your financial data. It uses that data to assess the request.
- 2
Indicative offer
Financefair says it sends an indicative offer within 24 hours of the request. Check the advance level, fees and how disputed or late invoices are treated before you accept.
- 3
Approval and funds
Once approved, Financefair says funds reach your account within 24 hours.
FAQs
Is InvoiceFair still an invoice auction marketplace?
Not on its current website. invoicefair.com now redirects to Financefair, which describes itself as a funder for established, revenue-generating businesses and makes no mention of an auction model. If you used InvoiceFair in the past, expect a different process now.
Do I have to fund all my invoices?
No. Financefair offers funding against individual invoices whenever you need it, as well as an ongoing invoice discounting line.
What happens if my customer disputes the invoice or pays late?
Financefair doesn't publish this. With most invoice finance you stay responsible for the invoice being valid, and a disputed invoice may have to be repaid, so check the terms of your offer before accepting.
Can a new business use Financefair?
It's not aimed at start-ups. Financefair says it is built for established, revenue-generating businesses, particularly those with recurring income.
Facts on this page are from financefair.com, checked 24 Sep 2026.
Our Verdict
Financefair, the business formerly known as InvoiceFair, suits established Irish and UK businesses, particularly scaling or recurring-revenue firms, that want invoice or revenue-based funding without a personal guarantee. It isn't a start-up option, and it doesn't publish prices, so compare its offer against a UK invoice finance quote.
Official site: Financefair
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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