About Market Invoice

Market Invoice is the UK's whole of market invoice finance comparison. We research UK invoice finance providers from their own websites and public records: 83 are listed in our directory (76 still trading) and 27 are compared on full published terms, across factoring, invoice discounting, selective invoice finance, export factoring and asset-based lending. We aim to help UK businesses compare providers in plain English.

What We Do

UK Finance says its invoice finance and asset-based lending members provide well over £20 billion to tens of thousands of UK businesses at any one time. Comparing providers is hard: most do not publish their rates, and they use different words for the same things.

Market Invoice sets out what each provider publishes, side by side. We aim to list every UK invoice finance provider we can find, and no provider pays to be included. Our listings include banks, independent providers, fintechs and specialist providers.

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

We research providers ourselves rather than relying on data they send us. We read each provider's own website and check public records such as Companies House.

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. Most lenders in our dataset publish up to 90%; see the Rate Index for each one.
3. 3.Setup speed: time from application to first drawdown, where the provider publishes it. Many do not.
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.

We check each lender's figures against its own website and show the date we last checked. Where a lender publishes no figure, we say "Not published" rather than estimate one.

Data Sources

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

• UK Finance : market size figures for invoice finance and asset-based lending
• UK Finance - the trade body for banks and finance firms, which took in the Asset Based Finance Association (ABFA) in 2017; see our guide to trade bodies and awards
• Companies House: provider company records, filings and whether a company is still active
• FCA Register: regulatory status of providers offering regulated finance products
• Provider websites: published terms, product details and eligibility, read directly from each provider's own pages
• 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.

Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows. This is how we fund the site and keep it free for users. The fee is the same whichever provider a business chooses, so it gives no provider an editorial advantage. Every provider, including our introduction partner, appears in the same comparison tables with the same ranking methodology.

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 the current status of all 76 providers trading. 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 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.

How we write, check and correct content is set out in our editorial policy.

Our Coverage

Market Invoice currently publishes:

• 83 providers in our directory: 76 still trading, plus 7 that have closed, been bought or merged
• 34 industry guides: sector-specific advice from construction to recruitment to transport
• 50 location pages: invoice finance by city for major UK cities
• 83 question pages: answers to common questions about invoice finance
• 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 it and correct anything that is wrong. If you are a business owner and your experience with a provider does not match what we say, please tell us.

Contact Us

For press enquiries, provider listing requests, corrections, or general feedback, please email hello@marketinvoice.co.uk.

If you are a business looking for invoice finance, the fastest route is our free comparison form: our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, at no cost and with no obligation.

About Market Invoice - FAQs