NatWest Invoice Finance vs Santander Invoice Finance: UK Invoice Finance Comparison 2026
See how NatWest Invoice Finance compares to Santander 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. NatWest Invoice Finance needs £300k minimum turnover, Santander Invoice Finance does not publish a minimum turnover figure. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: NatWest Invoice Finance · Santander Invoice Finance
| Compared on | NatWest Invoice Finance | Santander Invoice Finance |
|---|---|---|
| Product type | Invoice finance (CID, factoring, ABL) | Invoice finance (CID, factoring) |
| Min turnover | £300k | Not published |
| 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: NatWest Invoice Finance: advance rate · NatWest Invoice Finance: minimum turnover · Santander Invoice Finance: advance rate
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.
When Santander Invoice Finance wins
- Santander Group balance sheet.
- European multi-currency capability.
- Banking relationship cross-sell.
- Established IF desk.
Best for
Existing Santander corporate customers, Established SMEs wanting a bank relationship, European trade-exposed businesses.
Watch outs
- No published pricing or rate card.
- 10-15 day setup.
- No published minimum turnover or rate card.
FAQ
NatWest Invoice Finance or Santander Invoice Finance: which is the better fit for UK invoice finance in 2026?
NatWest Invoice Finance is the stronger fit for existing NatWest banking customers; Santander Invoice Finance fits existing Santander corporate customers better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do NatWest Invoice Finance and Santander 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 NatWest Invoice Finance or Santander Invoice Finance?
Both NatWest Invoice Finance and Santander Invoice Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
NatWest Invoice Finance is the wrong fit for sub-£300k turnover. Santander Invoice Finance is the wrong fit for lowest cost seekers. 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 NatWest Invoice Finance and Santander 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 NatWest Invoice Finance review
- Full Santander 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 NatWest Invoice Finance's own site.
- Rates, advance percentages and product details checked against Santander Invoice Finance's own site.
- NatWest Invoice Finance: advance rate
- NatWest Invoice Finance: minimum turnover
- Santander Invoice Finance: advance rate
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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.