Invoice Finance Approval Likelihood Checker UK
This tool gives a 0 to 100 approval-likelihood score for invoice finance based on six signals UK providers actually underwrite against. They are: annual turnover, trading history, top-customer concentration, director credit history, sector, and the share of invoices that are B2B. Every business starts on a base score of 50 points, then gains or loses points for each signal, for example turnover above £500,000 adds 20 points while a top customer over 50% of the ledger cuts 25. A score of 80 or more is rated High approval likelihood, 60 to 79 Moderate-high, 40 to 59 Moderate, 20 to 39 Difficult, and under 20 Very difficult, each band pointing to the type of UK provider most likely to accept the application.
Quick check
Your approval likelihood
High (90%)
Strong approval profile. Most UK mainstream providers (Close Brothers, Skipton, Bibby, Ultimate Finance) would underwrite this case. Expect competitive rates and standard terms.
| Underwriting signal | Example input | Score effect |
|---|---|---|
| Base score | Every business starts here | 50 points |
| Annual turnover | £250,000 | +15 points |
| Trading history | 18 months | +10 points |
| Top customer share of ledger | 25% | 0 points |
| Director credit issues | None | +5 points |
| Sector | Standard B2B | 0 points |
| B2B invoice ratio | 100% | +10 points |
| Approval likelihood | High | 90 points |
Source: Market Invoice approval likelihood scoring model
Illustrative default scenario. Scores of 80+ = High, 60-79 = Moderate-high, 40-59 = Moderate, 20-39 = Difficult, under 20 = Very difficult.
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### Worked example: typical small B2B business (default checker scenario) | Underwriting signal | Example input | Score effect | | --- | --- | --- | | Base score | Every business starts here | 50 points | | Annual turnover | £250,000 | +15 points | | Trading history | 18 months | +10 points | | Top customer share of ledger | 25% | 0 points | | Director credit issues | None | +5 points | | Sector | Standard B2B | 0 points | | B2B invoice ratio | 100% | +10 points | | Approval likelihood | High | 90 points | Source: Market Invoice approval likelihood scoring model Illustrative default scenario. Scores of 80+ = High, 60-79 = Moderate-high, 40-59 = Moderate, 20-39 = Difficult, under 20 = Very difficult.
“A points score cannot see the things that most often sink real applications: disputed invoices, contractual or stage-payment debt, CIS deductions, and ban-on-assignment clauses in your customer contracts. A business can score High here and still be declined on ledger quality, or score Difficult and get funded by a specialist who likes the debtor book. Treat this as a guide to which providers to approach, not an underwriting decision.”
What this tool tells you
Quick approval-probability score based on the underwriting signals UK invoice finance providers actually look at: turnover, debtor concentration, sector risk, trading history, credit profile.
The figures above are an illustrative default scenario, not a quote: the rates you are offered depend on your turnover, sector and debtor quality. For real quotes matched to your specific business, use our 60-second comparison tool.