Pulse Finance Review

Pulse Finance Limited (company 08429955) is a Basingstoke-based independent UK invoice finance provider, which says it was established in 2010 and was named Pulse Factoring Finance Limited until April 2025. It funds limited companies turning over £1m to £25m+ on facilities of £200k to £5m, advances up to 90% of invoice value within 24 hours, and names manufacturing, transport, security services, wholesale and distribution and construction among its sectors. It publishes no rates: pricing is a cost of finance at an agreed margin over bank base rate plus a service fee set as an agreed percentage of turnover.

Sector Specialisms

Pulse names these sectors on its own site. It publishes no sector-specific rates or advance rates, so the notes below describe why each sector is awkward to fund, not terms Pulse has stated:

• Manufacturing. Long production cycles and work-in-progress treatment. Manufacturing is named on both the invoice finance and invoice discounting pages, and in the wholesale and distribution grouping.
• Transport. Long end-customer payment cycles against weekly fuel and driver-pay outflows. Transport is named on both Pulse product pages. Pulse does not publish a debtor concentration policy.
• Construction. Named as a sector, and Pulse's own site description includes construction finance, but it publishes no product detail on applications for payment, JCT or NEC contracts, pay-less notices, retention release or CIS. See our construction invoice finance guide for what to ask any funder.

Pros and Cons

Best For / Less Suitable For

Pricing Reality

Pulse does not publish a rate card, and we will not invent one. What it does publish is the shape of the pricing: two fees, a cost of finance set as an agreed percentage over bank base rate (currently 3.75%, last changed in December 2025; Bank of England) and charged only on the funding you draw, plus a service fee set as an agreed percentage of your annual turnover. Both percentages are negotiated per file, so the only way to compare Pulse against another funder is to get quotes on the same ledger.

• Service fee: an agreed percentage of annual turnover. Percentage not published.
• Cost of finance: an agreed percentage over bank base rate, charged on funds drawn. Margin not published.
• Advance rate: up to 90% of invoice value. No lower bound or sector variation published.
• Setup time: Pulse says solutions can be delivered in as little as 5 days. No typical or maximum stated.

How Pulse Finance Compares

Application Path

Pulse does not publish a document checklist. Expect the usual UK invoice finance pack: a recent aged debtor report, recent bank statements, sample invoices, latest filed or management accounts, and director details. Pulse says funding decisions are based on the quality of the sales ledger rather than historical performance, that a dedicated account manager is empowered to decide, and that it can deliver a solution in as little as 5 days. It does not publish a decision time.

Our Verdict

Pulse Finance is a credible mid-market independent for UK limited companies turning over £1m to £25m+ that want a facility between £200k and £5m, a named account manager, and the option of trade finance alongside the ledger. The £200k floor rules out small ledgers and the £5m ceiling rules out larger ones. Because Pulse publishes no rates and no sector-specific terms, it can only be judged on quote, so put it on a panel alongside Bibby and Close Brothers rather than assuming where it lands on price.

Sources: Pulse invoice finance (up to 90% within 24 hours, up to £5m, £1m first-year start-ups) · Pulse introducer criteria (£1m to £25m+ turnover, £200k to £5m facilities) · Pulse about us (established 2010) · pulsefinancelimited.com (solutions in as little as 5 days) · Companies House 08429955 (Basingstoke office, previous names)