Debtor Concentration Checker for UK Invoice Finance
This tool checks whether your top customers make up too much of your sales ledger for UK invoice finance providers to fund comfortably. Enter the percentage each of your top three customers represents and it returns a concentration risk rating plus the funding cap you are likely to face. At 25% or less for your top customer, most providers apply no concentration cap at all. Between 26% and 35% is rated Slight risk, with most providers still funding in full but capping around 30% per debtor. Between 36% and 50% is Moderate risk, typically capped at 25 to 30% per debtor, with the excess going unfunded. Above 50% is High risk, where most providers decline or cap heavily, and a specialist single-debtor facility or ledger diversification is usually needed.
Calculator
Enter the % of your sales ledger represented by your top 3 customers.
Your concentration risk
Slight
Your concentration is slightly above some providers' typical cap. Most will fund without restriction at 30% but watch for caps in your facility documentation.
| Top customer share of ledger | Concentration risk | Typical provider response |
|---|---|---|
| 25% or less | Low | No concentration cap likely; standard funding |
| 26 to 35% | Slight | Most fund without restriction; watch for a 30% per-debtor cap in the facility documents |
| 36 to 50% | Moderate | Funding capped at 25-30% per debtor; the excess over the cap goes unfunded |
| Over 50% | High | Most providers decline or cap heavily; specialist single-debtor facilities or ledger diversification needed |
Source: Market Invoice debtor concentration checker thresholds
Worked example: top three customers at 35%, 20% and 10% of ledger (the default inputs above) score Slight risk with a likely 30% per-debtor cap.
View as plain-text Markdown
### How UK providers respond to top-customer concentration | Top customer share of ledger | Concentration risk | Typical provider response | | --- | --- | --- | | 25% or less | Low | No concentration cap likely; standard funding | | 26 to 35% | Slight | Most fund without restriction; watch for a 30% per-debtor cap in the facility documents | | 36 to 50% | Moderate | Funding capped at 25-30% per debtor; the excess over the cap goes unfunded | | Over 50% | High | Most providers decline or cap heavily; specialist single-debtor facilities or ledger diversification needed | Source: Market Invoice debtor concentration checker thresholds Worked example: top three customers at 35%, 20% and 10% of ledger (the default inputs above) score Slight risk with a likely 30% per-debtor cap.
“Concentration is only one factor a lender weighs. A strong, investment-grade top customer can be funded at a higher share than these bands imply, while a weak one can be capped sooner. Treat the bands as a guide, not a rule.”
What this tool tells you
UK invoice finance providers cap funding when one customer represents too much of your sales ledger. This tool shows you whether you're at risk of being capped or rejected, and what concentration most providers will accept.
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.
If it has already happened, and a customer has failed owing you money, see what to do when a customer goes into liquidation owing you unpaid invoices. If a credit insurer has cut cover on a customer but they are still trading, see trade credit insurance withdrawn.