Lloyds Bank Commercial Finance vs NatWest Invoice Finance: UK Invoice Finance Comparison 2026
See how Lloyds Bank Commercial Finance compares to NatWest Invoice 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. Lloyds Bank Commercial Finance needs £100k minimum turnover, NatWest Invoice Finance needs £300k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Lloyds Bank Commercial Finance · NatWest Invoice Finance
| Compared on | Lloyds Bank Commercial Finance | NatWest Invoice Finance |
|---|---|---|
| Product type | Invoice finance (CID, factoring, ABL, export) | Invoice finance (CID, factoring, ABL) |
| Min turnover | £100k | £300k |
| 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: Lloyds Bank Commercial Finance: advance rate · Lloyds Bank Commercial Finance: minimum turnover · NatWest Invoice Finance: advance rate · NatWest Invoice Finance: minimum turnover
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.
When NatWest Invoice Finance wins
- NatWest Group balance sheet scale.
- Banking relationship cross-sell.
- ABL panel.
- Established invoice finance desk.
Best for
Existing NatWest banking customers, £300k+ turnover, Banking relationship seekers.
Watch outs
- 10-15 day setup.
- Invoice discounting needs turnover over £300k and established credit control.
- Less competitive on rate than independents.
FAQ
Lloyds Bank Commercial Finance or NatWest Invoice Finance: which is the better fit for UK invoice finance in 2026?
Lloyds Bank Commercial Finance is the stronger fit for existing Lloyds banking-relationship customers; NatWest Invoice Finance fits existing NatWest banking customers better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Lloyds Bank Commercial Finance and NatWest Invoice 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 Lloyds Bank Commercial Finance or NatWest Invoice Finance?
Both Lloyds Bank Commercial Finance and NatWest Invoice Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Lloyds Bank Commercial Finance is the wrong fit for sub-£100k turnover. NatWest Invoice Finance is the wrong fit for sub-£300k 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 Lloyds Bank Commercial Finance and NatWest Invoice 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 Lloyds Bank Commercial Finance review
- Full NatWest Invoice 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 Lloyds Bank Commercial Finance's own site.
- Rates, advance percentages and product details checked against NatWest Invoice Finance's own site.
- Lloyds Bank Commercial Finance: advance rate
- Lloyds Bank Commercial Finance: minimum turnover
- NatWest Invoice Finance: advance rate
- NatWest Invoice 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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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.