Qube Financing Review
Qube Financing B.V. is an Amsterdam-based working capital business that runs an automated receivables financing platform, with credit and collection management and supply chain finance. It works with small and medium-sized companies and multinationals "in Northern Europe and beyond", connecting them with lenders through its PRI platform. It does not publish a minimum facility, advance rate or pricing, and it is not a UK factor with a UK office, so most UK SMEs will be better served by a UK provider.
What this page covers
This page covers
What Qube Financing is, what it publishes, and UK invoice finance alternatives
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
When Qube Financing Fits
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Companies with a sizeable receivables book wanting automated financing
Qube's PRI platform connects to your accounting system and exchanges data with lenders daily, so funding is based on an up-to-date view of the ledger rather than periodic reporting.
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Businesses trading in the Netherlands and Northern Europe
Qube is based in Amsterdam and describes its market as Northern Europe and beyond, which suits groups with continental receivables more than a UK-only small business.
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Companies that also want credit and collection management
Qube Servicing manages receivables alongside the financing, using its own credit management system, so the same platform handles funding, credit control and supply chain finance.
When to Look Elsewhere
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UK small businesses wanting a UK-based factoring or discounting facility
Better fit: Skipton Business Finance. Skipton is a UK funder offering factoring from £100,000 turnover and confidential invoice discounting with no published threshold (it says it has arranged it at turnover as small as £100,000).
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Needing same-day approval and funding within 48 hours for a one-off cashflow gap
Better fit: Triver. Triver's selective invoice finance funds single invoices or batches in 24-48 hours without a full facility, ideal for ad-hoc needs rather than ongoing finance.
How Qube Financing Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| Ultimate Finance | both | Not published | Not published | 95% | Within one week |
| Bibby Financial Services | both | Not published | Not published | 85% | 5 working days |
| Pulse Finance | both | £200k (£1m+ turnover) | Not published | 90% | 24 hours once live |
vs Ultimate Finance: Ultimate is a UK funder advancing up to 95% with facilities to £10m and UK account teams; Qube is a Dutch platform aimed at Northern European receivables.
vs Bibby Financial Services: Bibby is a large UK independent with sector teams and international factoring; it publishes no minimum turnover, so ask for a quote.
vs Pulse Finance: Pulse Finance works at the other end of the range, on facilities of £200k to £5m for companies turning over £1m to £25m+. Neither publishes a rate card, so compare on quotes.
Illustrative worked example
Hypothetical: A Midlands-based design and print company with £720k annual turnover
Not a real client. The charges are illustrative assumptions, not Qube Financing's published rates; Qube Financing quotes each facility individually. Monthly cost = £540 service charge (0.9% of £60,000) plus about £308 discount charge (7.25% a year on £51,000 drawn for a month, at the 3.75% Bank of England base rate).
How Qube's Platform Works
- 1
Connection
Qube's PRI inside and SupplyChain tools link your accounting system to Qube and the lenders, with data exchanged daily and intraday.
- 2
Underwriting
The receivables portfolio is assessed against Qube's risk framework, which covers seller risk, dilution (credit notes), debtor concentration and expected loss.
- 3
Daily valuation and settlement
Qube values the portfolio and settles daily, and Qube Servicing can manage credit and collections. Qube does not publish advance rates, fees, guarantees or contract terms, so get these in writing.
FAQs
Is Qube Financing a UK invoice finance provider?
No. Qube Financing B.V. is based in Amsterdam and describes its market as small and medium-sized companies and multinationals in Northern Europe and beyond. It lists no UK office. Do not confuse it with Qube Finance Ltd, a London accounting and financial management company dissolved in July 2025.
Does Qube publish a minimum, advance rate or fees?
No. Its site describes the platform and risk framework but publishes no minimum facility, advance rate, service charge or discount margin. Any figure quoted elsewhere is an estimate, so ask Qube for written terms and compare them with UK funders.
Our Verdict
Qube Financing is a Dutch receivables financing platform rather than a UK factor, and it publishes no terms. It may interest groups with Northern European receivables that want automated funding and credit management on one platform. For a UK small business, a UK funder such as Skipton, Bibby or Ultimate Finance is the more practical starting point.
Sources: Qube Financing, about us (Amsterdam, Northern Europe, platform model) · Qube Financing, working capital financing (risk framework, daily settlement)
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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