Am I eligible for invoice finance?
Answer 5 quick questions on turnover, B2B or B2C sales, trading history, customer quality and credit history, and this tool shows which lenders in our dataset of providers with published terms have a published minimum turnover at or below yours. B2C-only businesses are told invoice finance is not suitable, and start-ups or businesses with CCJs get a note on what to expect, since lenders assess those case by case. Results take under 60 seconds, require no signup, and are indicative rather than a guaranteed offer, since every provider still runs its own credit check.
What's your annual turnover?
How the Invoice Finance Eligibility Check Works
The tool above asks five questions that map to the five criteria every UK invoice finance provider uses at application stage: annual turnover, business model (B2B versus B2C), trading history, customer quality, and credit history. The answers filter the lenders in our dataset by their published minimum turnover; lenders that publish no minimum are listed separately.
Results are indicative, not guaranteed approvals. Every provider still runs their own credit check and underwriting before making a formal offer.
The eligibility engine uses the same logic an experienced broker applies on a first call. Turnover under £50,000 usually means selective (spot) invoice finance rather than a full facility. B2C sales exclude invoice finance entirely because the product only works on B2B credit invoices.
Pre-trading or sub-six-month businesses have a shorter list of providers willing to look at day-one trading. CCJs or credit defaults narrow the list further to specialist independents. Blue-chip or government customers open the door to the lowest rates in the market.
The check takes under 60 seconds and your answers are not stored, not shared with providers, and not used to trigger any follow-up contact. If you want actual quotes after seeing the eligibility result, request them through our free comparison form: eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
What Affects Invoice Finance Eligibility Most
- Debtor quality
- Providers fund against your customers' ability to pay. Strong debtors unlock better rates than strong applicants.
- Concentration
- A single customer making up more than 30% of your ledger triggers sub-limits. A handful of blue-chip debtors beats one large customer every time.
- Sector
- Recruitment, manufacturing, transport, and wholesale distribution are classic fits. Construction and export need specialists. Professional services skew towards confidential discounting.
- Trading history
- Most providers want at least 6 months of trading. A handful accept day-one businesses with strong debtors.
- Clean invoicing
- Contra accounts, stage payments, and retentions reduce eligible ledger value. Clean B2B invoicing is the ideal profile.
For a deeper walk-through of what underwriters actually look at, read what happens during underwriting. For the documents you will need once you apply, see documents needed.