Barclays Invoice Finance vs Lloyds Bank Commercial Finance: UK Invoice Finance Comparison 2026
See how Barclays Invoice Finance compares to Lloyds Bank Commercial Finance side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
Both are UK high street clearing banks offering invoice finance to established businesses. In practice the difference is usually which banking relationship you already hold and how that affects approval and cross-sell. Both advance up to 90%, setup typically in 10 to 15 working days. Barclays Invoice Finance does not publish a minimum turnover figure, Lloyds Bank Commercial Finance needs £100k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Barclays Invoice Finance · Lloyds Bank Commercial Finance
| Compared on | Barclays Invoice Finance | Lloyds Bank Commercial Finance |
|---|---|---|
| Product type | Invoice finance (CID, factoring, ABL) | Invoice finance (CID, factoring, ABL, export) |
| Min turnover | Not published | £100k |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 to 15 working days | 10 to 15 working days |
Sources for these figures: Barclays Invoice Finance: advance rate and "fees subject to application" · Lloyds Bank Commercial Finance: advance rate · Lloyds Bank Commercial Finance: minimum turnover
When Barclays Invoice Finance wins
- High street bank with banking relationship cross-sell.
- ABL panel includes receivables + stock.
- Multi-currency capability via Barclays Corporate.
- Established invoice finance desk.
Best for
Existing Barclays banking customers, Established SMEs wanting a bank relationship, Multi-product banking facility seekers.
Watch outs
- 10-15 day setup, slow.
- No published minimum turnover or rate card; fees are set on application.
- Less flexible on covenants than independents.
When Lloyds Bank Commercial Finance wins
- Published £100,000 minimum turnover, low for a high street bank.
- Full ABL panel: receivables, stock, plant, property.
- Banking relationship cross-sell (current account, FX, trade).
- Multi-currency and export finance integrated.
Best for
Existing Lloyds banking-relationship customers, Multi-currency exporters, Full ABL panel seekers.
Watch outs
- Setup 10-15 days, slowest in mainstream segment.
- Asset-based lending only above £10m turnover.
- Credit committee approval adds friction.
FAQ
Barclays Invoice Finance or Lloyds Bank Commercial Finance: which is the better fit for UK invoice finance in 2026?
Barclays Invoice Finance is the stronger fit for existing Barclays banking customers; Lloyds Bank Commercial Finance fits existing Lloyds banking-relationship customers better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Barclays Invoice Finance and Lloyds Bank Commercial Finance price their facilities?
Neither publishes its pricing; both quote per facility. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Barclays Invoice Finance or Lloyds Bank Commercial Finance?
Both Barclays Invoice Finance and Lloyds Bank Commercial Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Barclays Invoice Finance is the wrong fit for businesses wanting published pricing up front. Lloyds Bank Commercial Finance is the wrong fit for sub-£100k turnover. If either describes your business, browse the side-by-side or get 3 free quotes through our quote form.
Can Market Invoice help me choose between Barclays Invoice Finance and Lloyds Bank Commercial Finance?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full Barclays Invoice Finance review
- Full Lloyds Bank Commercial Finance review
- Barclays Invoice Finance vs HSBC Invoice Finance
- HSBC Invoice Finance vs NatWest Invoice Finance
- HSBC Invoice Finance vs Santander Invoice Finance
- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
- UK invoice finance by region
Sources
- Rates, advance percentages and product details checked against Barclays Invoice Finance's own site.
- Rates, advance percentages and product details checked against Lloyds Bank Commercial Finance's own site.
- Barclays Invoice Finance: advance rate and "fees subject to application"
- Lloyds Bank Commercial Finance: advance rate
- Lloyds Bank Commercial Finance: minimum turnover
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. eCapital, our introduction partner, handles your enquiry and comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.