Compare Invoice Financing

  • Invoice financing allows you to access capital based on the money that you are owed by your customers
  • Below you can compare invoice financing providers from our panel of leading UK business finance specialists

Choose a type of business loan to compare...

Touch Financial Invoice Finance
Promotion

Touch Financial Invoice Finance

Call Touch Financial today -
  • The UK's largest invoice finance specialists
  • Unlock up to 100% of your invoice value in 24 hours
  • Must be trading B2B and turnover min. £50k pa.
  • Request a quote
      • Touch Financial Invoice Financing logo
        Broker

        Touch Financial Invoice Financing

        • Compare your current invoice finance facility with a panel of over 30 of the UK's leading lenders
        • Trial periods and rolling contracts available
        • Must be trading business to business
        • Minimum Turnover
          £50,000 p.a.
        • Available Amounts
          From £3,000 (no maximum)
        • Available Terms
          No min/max

        Company details

        • Touch Financial are the largest Invoice Finance Broker in the UK
        • Established in 2008
        • They help hundreds of businesses explore their commercial finance options every month

        Eligibility criteria

        • Your turnover must exceed £50,000 annually
        • For Invoice Finance, you must be trading B2B on credit terms
      • THINK Business Loans Invoice Financing logo
        Broker

        THINK Business Loans Invoice Financing

        • Check eligibility (without a credit check) & compare all Invoice Finance facilities in one place
        • Same day funding and spot factoring options
        • No service fee options available
        • Minimum Turnover
          £50,000 p.a.
        • Available Amounts
          £50,000 to £10,000,000
        • Available Terms
          No min/max

        Company details

        • THINK's iFunds matching platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
        • THINK are the UK's leading SME lending specialists; their experts are on hand to guide you through the process
        • Find the perfect loan in minutes - Make the lender work for you

        Eligibility criteria

        • Must have at least 6 months trading history
        • Sole Traders accepted
        • Must sell to UK businesses
      • Funding Circle Invoice Financing logo

        Funding Circle Invoice Financing

        • Get working capital to take your business forward with a fast, affordable business loan
        • Apply in 10 mins, get a decision typically in 24 hours
        • Rates from 1.9% - no fees for full early repayment
        • Minimum Turnover
          £50,000 p.a.
        • Available Amounts
          £10,000 to £1,000,000
        • Available Terms
          6 months to 5 years

        Company details

        • Simple online form and a dedicated account manager
        • Get a decision in as little as 5 hours
        • Rates from 1.9% per year - no fees for full early repayment

        Eligibility criteria

        • At least two years filed accounts with Companies House or formally prepared accounts for non-limited businesses.

      Suppliers that don't offer Invoice Financing but may offer suitable alternatives:

      • iwoca logo

        iwoca

        • No hidden fees or long term commitments
        • Apply online in minutes
        • Approval within 48 hours, in some cases instantly
        • Minimum Turnover
          No minimum
        • Available Amounts
          £1,000 to £200,000
        • Available Terms
          up to 12 months

        Company details

        Eligibility criteria

      • 365 Business Finance logo

        365 Business Finance

        • Your business must process credit and debit card transactions to apply for this product
        • A flexible business funding alternative
        • Cash advanced against card transactions
        • Pay back an affordable % of your card transactions
        • Minimum Turnover
          £5,000+ card transactions per month
        • Available Amounts
          £5,000 to £200,000
        • Available Terms
          4 to 18 months

        Company details

        • Get between £5,000 and £200,000
        • Pay back through your customer card transactions
        • A single all inclusive charge that never changes
        • No interest, APRs or hidden extras

        Eligibility criteria

        • Your business must have been trading for at least 6 months
        • Your business must accept debit and credit card payments
        • Your business must take at least £5,000 per month in card transactions.
      • Lombard Business Loans logo

        Lombard Business Loans

        • Lombard is one of the UK's oldest and largest asset finance partner
        • They help thousands of businesses invest in their future every day
        • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018
        • Minimum Turnover
          No minimum
        • Available Amounts
          £6,320 to £150,000
        • Available Terms
          1 to 7 years

        Company details

        • Lombard is one of the UK's oldest and largest asset finance partner
        • They help thousands of businesses invest in their future every day
        • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018

        Eligibility criteria

      • Spotcap logo

        Spotcap

        • Your business must have been trading for 3+ years and be profitable to be eligible
        • Fully unsecured business loan - no personal guarantee needed
        • Apply online in 15 mins, decision in one working day
        • No withdrawal fee. No early repayment fee
        • Minimum Turnover
          £500,000 p.a.
        • Available Amounts
          £50,000 to £250,000
        • Available Terms
          1 month to 2 years

        Company details

        Eligibility criteria

      • Capital on Tap logo

        Capital on Tap

        • This is a business MasterCard
        • Credit limits up to £50,000 with no monthly or annual fees
        • 0% Interest on all card purchases, when balance cleared in full each month
        • Minimum Turnover
          £24,000 p.a.
        • Available Amounts
          £1,000 to £50,000
        • Available Terms
          1 month to 2 years

        Company details

        • Capital on Tap specialises in supporting the UK's SMEs with business cards.
        • Offering Credit limits up to £50,000 with rates as low as 9.9%.
        • Since 2012, Capital on tap has provided more than 200M to over 30,000 UK businesses.

        Eligibility criteria

        • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
        • No Outsanding CCJs
        • Minimum 12 months Trading History
      • NatWest logo

        NatWest

        • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes
        • Minimum Turnover
          No minimum
        • Available Amounts
          £1,000 to £10,000,000
        • Available Terms
          1 to 25 years

        Company details

        • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes

        Eligibility criteria

        • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes
      • Together logo

        Together

        • Lending for over 40 years
        • Award winning specialist lender
        • Offering short-term finance, auction finance, personal, commercial and buy-to-let mortgages
        • Minimum Turnover
          No minimum
        • Available Amounts
          £25,000 to £5,000,000
        • Available Terms
          6 months to 30 years

        Company details

        • Lending for over 40 years
        • Award-winning specialist lender
        • Fast, flexible short-term finance, auction finance, and personal, commercial and buy-to-let mortgages

        Eligibility criteria

      • Liberis logo

        Liberis

        • Your business must process credit and debit card transactions to apply for this product
        • Competitive pricing tailored to your business
        • Approval in as little as 5 mins, and funds can be yours within hours
        • 9 out of 10 customers would recommend Liberis
        • Minimum Turnover
          £2,500+ card transactions per month
        • Available Amounts
          £2,500 to £300,000
        • Available Terms
          4 to 12 months

        Company details

        • Approval in as little as 5 mins, and funds can be yours within hours!
        • Competitive pricing tailored to your business. No APR or hidden fees.
        • 9 out of 10 customers would recommend Liberis

        Eligibility criteria

        • Trading for 4+ months
        • Average £625+ a week in card payments
      • Royal Bank of Scotland Business Loans logo

        Royal Bank of Scotland Business Loans

        • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes
        • Minimum Turnover
          No minimum
        • Available Amounts
          £1,000 to £10,000,000
        • Available Terms
          1 to 25 years

        Company details

        • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes

        Eligibility criteria

        • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
        • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
        • Eligibility criteria apply for all funds and schemes
      • Nucleus logo

        Nucleus

        • Fast service - receive your funding in 24 hrs
        • Unsecured and secured business loans
        • 7 products tailored to your business
        • Minimum Turnover
          £5,000
        • Available Amounts
          £5,000 to £50,000,000
        • Available Terms
          3 months to 8 years

        Company details

        • Fast service - receive your funding in 24 hrs
        • Human approach - Nucleus's in-house experts will guide you through the process
        • No early repayment fee

        Eligibility criteria

        • Fast service - receive your funding in 24 hrs
        • Human approach - Nucleus's in-house experts will guide you through the process
        • No early repayment fee
      • The Start Up Loans Company logo

        The Start Up Loans Company

        • Interest rate of fixed 6% per annum
        • Receive business mentoring and support after drawing down your loan
        • No application fees or early repayment fees
        • Minimum Turnover
          No minimum
        • Available Amounts
          £500 to £25,000
        • Available Terms
          1 to 5 years

        Company details

        • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
        • Start Up Loans have helped over 40,000 businesses get started in the UK
        • Free application support
        • Free post-loan business mentoring

        Eligibility criteria

        • Business is based in the UK
        • Trading for under 24 months
        • 18 years and over
      • Fleximize logo

        Fleximize

        • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
        • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
        • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
        • Minimum Turnover
          £60,000 p.a.
        • Available Amounts
          £5,000 to £500,000
        • Available Terms
          1 month to 4 years

        Company details

        • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
        • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
        • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day

        Eligibility criteria

      • Esme Business Loans logo

        Esme Business Loans

        • Simple, fast & fair business loans from Esme Loans
        • Hassle-free, paperless application takes just 10 minutes
        • Funds are sent within the hour if approved and you can receive faster payments
        • Minimum Turnover
          £15,000 p.a.
        • Available Amounts
          £10,000 to £150,000
        • Available Terms
          1 to 5 years

        Company details

        • Simple, fast & fair business loans from Esme Loans
        • Hassle-free, paperless application takes just 10 minutes
        • Funds are sent within the hour if approved and you can receive faster payments

        Eligibility criteria

        • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
        • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
    Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

    Award-winning comparisons you can trust

    It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

    + Other business loan providers

    Invoice Financing FAQ

    Invoice financing can be a quick and effective way for businesses to access capital based on the amounts they are owed by their customers. Before you apply for any invoice financing you should make sure you understand how it works and whether it is suited to your particular circumstances. Below we have compiled some handy, concise answers to the most frequently asked questions about invoice financing - just click on a question heading to get started.

    What is invoice financing?

    Why is invoice financing termed as 'secured' lending?

    Is my business well-suited to invoice financing?

    Which businesses aren't suitable for invoice financing?

    How much money can I get from invoice financing?

    What is recourse and non-recourse invoice financing?

    Are there any additional fees required?

    Can I still access invoice financing as a new business?

    Will my customers know that I am using invoice financing?