Jardine Norton Review
Jardine Norton is a partner-led finance firm that structures short-to-medium term funding for UK SMEs, typically over 3 to 12 months, with facilities from £500,000 to over £100m. It covers working capital gaps (payroll timing, invoice delays, seasonal cycles), supply chain and trade funding, and project funding. It isn't a standard factoring or invoice discounting provider: each facility is structured case by case.
Jardine Norton publishes no rates or advance levels. It assesses each request on its merits and structures bespoke funding, which suits businesses whose needs fall outside standard lending products. More detail + scope
This page covers
What Jardine Norton funds, facility size and term, its process, and when a standard invoice finance provider is the better fit
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
Source: jardinenorton.co.uk, checked 24 Sep 2026.
When Jardine Norton Fits
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A defined, short-term funding need of £500k or more
Jardine Norton structures facilities over months, not years, to solve a specific gap, such as payroll due before a large debtor pays or a seasonal build-up.
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Supply chain, import and export funding
It funds materials, inventory and overseas suppliers, and says it is sector and geography agnostic, which a UK-only invoice facility may not cover.
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Needs that don't fit a standard product
Its stated focus is funding where timing, complexity or commercial structure fall outside traditional lending frameworks, such as contract mobilisation or bridging project milestones.
When to Look Elsewhere
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Recruitment agencies funding weekly contractor payroll
Better fit: Sonovate. Sonovate is a recruitment specialist with an ongoing facility and back-office support, rather than a short-term structured deal.
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An ongoing invoice facility you keep for years
Better fit: Close Brothers. A standard factoring or discounting facility from a provider like Close Brothers is built to run continuously against your sales ledger.
How Jardine Norton Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| IGF Invoice Finance | both | £2m (£5m+ turnover) | Not published | 90% | 10-14 days |
| Ultimate Finance | both | Not published | Not published | 95% | 7-10 days |
| Aldermore | both | £750k | Not published | 90% | 14-21 days |
vs IGF Invoice Finance: IGF provides ongoing asset-based lending of £2m to £25m to businesses over £5m turnover, whereas Jardine Norton structures shorter-term facilities around a specific need.
vs Ultimate Finance: Ultimate Finance offers standard invoice finance facilities up to £10m, including for smaller businesses below Jardine Norton's £500,000 floor.
vs Aldermore: Aldermore is a bank offering ongoing invoice finance to businesses turning over £750,000 or more; Jardine Norton offers bespoke, time-limited funding rather than a standing facility.
Setting Up With Jardine Norton
- 1
Confidential discussion and initial view
You explain the funding requirement; Jardine Norton gives a prompt view on whether and how it may be able to help.
- 2
Due diligence
A focused information request covering KYC, due diligence and the commercial detail behind the requirement.
- 3
Structuring and formal offer
The facility is structured for the specific transaction and a formal offer follows. Timescales, fees and security are set per deal and not published.
FAQs
Is Jardine Norton an invoice factoring company?
Not in the usual sense. It funds working capital gaps that include invoice delays, but it structures each facility for a specific need over a short-to-medium term, rather than offering a standard factoring or discounting product.
What is the smallest facility Jardine Norton provides?
Its website gives facilities from £500,000 up to over £100m.
Can Jardine Norton fund overseas trade?
Yes, it lists import, export and overseas supplier funding among its solutions and says it is sector and geography agnostic.
Does it require personal guarantees?
It doesn't publish its security requirements. Each deal is structured individually, so ask at the offer stage.
Our Verdict
Jardine Norton is worth approaching for a defined, short-term funding need of £500,000 or more, especially one tied to trade, supply chains or a project, that standard lenders won't structure. If you want an ongoing invoice finance facility, or need less than £500,000, a mainstream factoring or discounting provider is the better route.
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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