Alternatives to HSBC Invoice Finance
The 4 UK alternatives to HSBC Invoice Finance on this page are Lloyds Bank Commercial Finance, NatWest Invoice Finance, Barclays Invoice Finance and Santander Invoice Finance. The table shows what each one publishes about minimum turnover, advance and fees, next to HSBC Invoice Finance, with a link to each provider's own website.
HSBC's own UK business site lists invoice discounting only. For what it publishes, read our review of HSBC invoice discounting.
What this page covers
This page covers
UK invoice finance alternatives to HSBC Invoice Finance, compared on product type, minimum turnover, advance, fees, setup time and our rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
HSBC Invoice Finance and the 4 alternatives side by side
| Compared on | HSBC Invoice Finance | Lloyds Bank Commercial Finance | NatWest Invoice Finance | Barclays Invoice Finance | Santander Invoice Finance |
|---|---|---|---|---|---|
| Product | Confidential invoice discounting, trade finance integration | Confidential invoice discounting (ABL above £10m turnover) | Invoice discounting, ABL | Confidential invoice discounting | Invoice finance (CID, factoring) |
| Min turnover | £1m | £100k | £300k | Not published | Not published |
| Advance | Up to 95% | Up to 90% | Up to 90% | Up to 90% | Up to 90% |
| Fees | Not published | Not published | Not published | Not published | Not published |
| Setup time (our guide) | Not published | Not published | Not published | Not published | Not published |
| Our rating (out of 5) | 4.0 | 4.0 | 3.9 | 3.9 | 3.8 |
| Source | business.hsbc.uk | lloydsbank.com | natwest.com | barclays.co.uk | santander.co.uk |
Minimum turnover, advance and fees are as published on each provider's own website, checked between 1 October 2026 and 13 October 2026. "Not published" means the provider does not say. Setup times are a guide from our records, not a promise from the provider. Ratings are our own view, not a figure from the provider (how we rate providers).
More on each alternative
- Lloyds Bank Commercial Finance: Our Lloyds Bank Commercial Finance profile · lloydsbank.com
- NatWest Invoice Finance: Our NatWest Invoice Finance profile · HSBC Invoice Finance vs NatWest Invoice Finance · natwest.com
- Barclays Invoice Finance: Our Barclays Invoice Finance profile · HSBC Invoice Finance vs Barclays Invoice Finance · barclays.co.uk
- Santander Invoice Finance: Our Santander Invoice Finance profile · HSBC Invoice Finance vs Santander Invoice Finance · santander.co.uk
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Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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