About Market Invoice

Market Invoice is the UK's whole of market invoice finance comparison. We independently research, review, and rank every active UK invoice finance provider -currently 85 providers across factoring, invoice discounting, selective invoice finance, export factoring, and asset-based lending. Our goal is simple: help UK businesses find the right provider without the jargon, sales pressure, or hidden agendas that plague the invoice finance market.

What We Do

Invoice finance is a £22.7 billion market in the UK, used by over 40,000 businesses. Despite this, most business owners struggle to compare providers because the industry is opaque -rates are not published, terminology is inconsistent, and most comparison sites only feature the providers that pay them the most.

Market Invoice exists to fix that. We compare every provider in the market -not just the ones that pay referral fees. Our listings include banks, independent providers, fintechs, and specialist niche providers. If they offer invoice finance to UK businesses, they are on our site, whether they pay us or not.

We cover the full spectrum of invoice finance products: factoring and invoice discounting, confidential invoice discounting, selective (spot) invoice finance, export factoring, construction-specific facilities, and asset-based lending.

Our Methodology

Every provider listed on Market Invoice has been independently researched. We do not rely on providers submitting their own data -we verify information from multiple sources and cross-reference against publicly available data.

We assess providers across six criteria:

1. 1.Cost competitiveness: Service charge range, discount charge margin, arrangement fees, and hidden costs. We calculate total cost of funds as an annualised percentage for fair comparison.
2. 2.Advance rates: The percentage of each invoice advanced upfront. Ranges from 70% to 95% depending on the provider and your industry.
3. 3.Setup speed: Time from application to first drawdown. Some providers fund within 48 hours; others take 4+ weeks.
4. 4.Minimum requirements: Turnover thresholds, trading history, credit criteria, and sector restrictions.
5. 5.Contract flexibility: Minimum term, exit provisions, break clauses, and personal guarantee requirements.
6. 6.Customer service: Dedicated account manager availability, technology platform quality, accounting software integration, and complaint resolution.

Our comparison data is updated quarterly. We verify rates directly with providers where possible, supplemented by publicly available rate cards, independent broker data, and regulatory filings.

Data Sources

Market Invoice draws on the following authoritative sources to ensure our data is accurate and up to date:

• UK Finance -market size data, quarterly statistics on invoice finance volumes and client numbers across the UK
• ABFA (Asset Based Finance Association) -industry guidelines, best practice standards, and member directory
• Companies House -provider company filings, director details, financial health, and trading status verification
• FCA Register -regulatory status of providers offering regulated finance products
• Direct provider research -rate cards, product specifications, and terms gathered directly from provider websites, sales teams, and broker panels
• Independent broker data -anonymised pricing data from brokers placing facilities across multiple providers
• Bank of England -base rate data used in discount charge calculations

Editorial Independence

Our comparison tables, guide content, and provider rankings are editorially independent. Providers cannot pay to influence their ranking position, their review score, or their placement in comparison tables. This is a non-negotiable principle.

Some providers pay us a referral fee when a user we introduce goes on to take out a facility. This is how we fund the site and keep it free for users. However, providers that pay referral fees receive no editorial advantage -a provider that pays us nothing appears in the same comparison tables with the same ranking methodology as a provider that pays us a fee.

We also list providers that have been acquired, have exited the market, or have entered administration. We believe businesses deserve a complete picture of the market, including which providers are no longer active and what happened to their clients. See our full provider directory for current status of all 85 providers. Our full revenue model is explained on our How We Are Funded page.

The Company Behind Market Invoice

Market Invoice is operated by Best Business Loans Ltd, a company registered in England and Wales (company number 16833937). The company is directed by Oliver Mackman.

All content on this site is written and reviewed by industry professionals with direct experience in the UK invoice finance market. We do not use anonymous contributors or outsource content to writers without subject-matter expertise.

Our editorial team has collectively reviewed over 200 invoice finance proposals and has direct relationships with provider BDMs (business development managers) across the market. This gives us insight into how providers actually behave during the application process -not just what their marketing materials claim.

Our Coverage

Market Invoice currently publishes:

• 85 provider profiles -every active (and notable inactive) UK invoice finance provider
• 26 industry guides -sector-specific advice from construction to recruitment to transport
• 50 location pages -regional market data for major UK cities
• 60+ Q&A articles -answering the most common questions from real business owners
• 20+ in-depth guides -covering costs, provider selection, product types, and working capital alternatives
• Interactive tools -cost calculator and eligibility checker

Corrections and Updates

If you are a provider and believe any information on your listing is incorrect, please contact us and we will review and update it within 48 hours. If you are a business owner and your experience with a provider does not match our assessment, we want to hear from you -real-world feedback is the most valuable data we have.

Contact Us

For press enquiries, provider listing requests, corrections, or general feedback, please email [email protected].

If you are a business looking for invoice finance, the fastest route is our free comparison form -we will match you with up to 3 providers within 24 hours at no cost and with no obligation.

About Market Invoice - FAQs