Sell Your Unpaid Invoice for Cash UK (2026)

Market Invoice is an independent UK invoice finance comparison site that ranks 89 UK invoice finance providers.

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue. Outright debt sale to a commercial debt purchaser (Lowell, Cabot, Intrum) typically pays 5 to 30 pence in the pound and is used for older debts (90 plus days), distressed debtors, or when you simply want the debt off your books. For most unpaid invoices under 90 days old with a solvent debtor, spot factoring recovers far more value.

Last updated: 8 May 2026.

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue. More detail + scope

Summary

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue.

Outright debt sale to a commercial debt purchaser (Lowell, Cabot, Intrum) typically pays 5 to 30 pence in the pound and is used for older debts (90 plus days), distressed debtors, or when you simply want the debt off your books. For most unpaid invoices under 90 days old with a solvent debtor, spot factoring recovers far more value.

This page covers

sell unpaid invoice for cash UK: spot factoring vs debt sale, recovery rates, fees, disclosed vs confidential, and provider comparison

Not covered here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

UK providers worth knowing

ProviderFee fromMin turnoverWhy it fits
HydrVariableNo minSingle invoice sale, 24-hour funding decision
Triver1.5%+No minAPI-driven instant decisions, no contracts
Kriya (Allica Bank)1.5%+£100kSelective single-invoice or batch facility
IGF Invoice Finance1.0%+£50kSelective spot factoring on chosen invoices
SonovateVariableNo minRecruitment / contractor invoices specifically
AP

Adam Parker

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.

Last reviewed: 30 July 2026

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Sell Unpaid Invoice UK FAQ

Can I sell an unpaid invoice for cash UK?

Yes, two routes. (1) Spot factoring: sell the invoice to a finance provider who advances 70-90% within 24 hours and chases the customer for full value, then pays you the balance minus their fee. Best for invoices under 90 days overdue with a solvent debtor. (2) Debt sale: sell the receivable outright to a commercial debt purchaser for 5-30p in the pound, with no recourse and no further involvement. Best for old debt, disputed debt, or when you want it off your books.

How much will I get for an unpaid invoice?

Spot factoring: 70-90% advance within 24 hours, plus the balance (minus 1.5-4% fee) when the customer pays. Net recovery typically 92-97% of invoice value if customer pays in 30-60 days. Debt sale: 5-30p in the pound, paid upfront, no further involvement. Net recovery 5-30%. The right choice depends on whether the debtor is solvent and how quickly you need cash.

Can I sell a 90 day overdue invoice UK?

Yes but at a steeper discount. Most spot factoring providers will quote on invoices up to 60-90 days overdue, with the fee rising from 1.5% to 4-6% as the age increases. Beyond 90 days overdue, providers either decline or only fund 50-60% on a no-recourse basis. For invoices 120 days plus or where the debtor is insolvent, debt sale at 5-15p in the pound becomes the realistic recovery option.

Will my customer know I sold their invoice?

Depends on the facility. Disclosed factoring (most spot factoring providers): yes, the customer is told to pay the factor directly. Confidential invoice discounting: no, the customer continues paying you and you forward the funds to the financier. Most spot factoring uses disclosed assignment because the factor takes over chasing. If customer relationship sensitivity matters, ask for a confidential facility or use invoice discounting on whole-book finance instead.

Spot factoring vs debt sale UK?

Spot factoring: 92-97% net recovery, 24 hour cash, factor chases, customer relationship preserved on confidential facilities, recourse comes back if customer disputes. Best for solvent debtors, recent debts, and where customer relationship matters. Debt sale: 5-30% net recovery, immediate finality, no recourse, customer no longer your problem. Best for very old debts, distressed debtors, or when you just want the debt off your books for accounting purposes.

Do I need a long-term contract to sell one invoice?

No. Spot factoring (the name says it) is single-invoice, no minimum, no monthly fees, no facility tie-in. Hydr, Triver, Kriya and IGF all offer one-off invoice sales. Whole-book factoring has 12-24 month contracts, monthly minimums and exit fees. If you have one or a few problem invoices, spot is the right product. If you want continuous funding across all invoices, whole-book is more cost-effective per pound advanced.