Alternatives to Lloyds Bank Commercial Finance
4 UK invoice finance alternatives to Lloyds Bank Commercial Finance, compared on advance rate, setup speed, transparency, minimum turnover and best-fit.
The leading UK invoice finance alternatives to Lloyds Bank Commercial Finance are HSBC Invoice Finance, NatWest Invoice Finance, Barclays Invoice Finance and Aldermore Invoice Finance, compared here on advance rate, setup speed, minimum turnover and rating.
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Summary
Lloyds Bank Commercial Finance is benchmarked against 4 UK invoice finance alternatives: HSBC Invoice Finance, NatWest Invoice Finance, Barclays Invoice Finance and Aldermore Invoice Finance. Each is compared on product type, minimum turnover, advance rate, typical rate, setup speed and overall rating, so you can see which fits your turnover and how fast you need funding. MarketInvoice then matches you to the best-fit provider.
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UK invoice finance alternatives to Lloyds Bank Commercial Finance, compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
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Lloyds Bank Commercial Finance vs the 4 alternatives
| Lloyds Bank Commercial Finance | HSBC Invoice Finance | NatWest Invoice Finance | Barclays Invoice Finance | Aldermore Invoice Finance | |
|---|---|---|---|---|---|
| Product | Invoice finance (CID, factoring, ABL, export) | Invoice finance (CID, factoring), trade finance integration | Invoice finance (CID, factoring, ABL) | Invoice finance (CID, factoring, ABL) | Invoice finance (Receivables Finance, factoring, CID) |
| Cluster | high-street | high-street | high-street | high-street | independent |
| Min turnover | £500k | £500k | £500k | £500k | £250k |
| Advance rate | Up to 90% | Up to 90% | Up to 90% | Up to 90% | Up to 90% |
| Typical rate | 0.7% to 1.5% service charge | 0.7% to 1.5% service charge | 0.7% to 1.5% service charge | 0.7% to 1.5% service charge | 1% to 2.5% service charge |
| Setup speed | 10 to 15 working days | 10 to 15 working days | 10 to 15 working days | 10 to 15 working days | 7 working days |
| Rating | 4.0 | 4.0 | 3.9 | 3.9 | 4.2 |
HSBC Invoice Finance
10 to 15 working days · Up to 90%Global high street bank with strong trade finance integration. Targets £500k+ turnover with confidential discounting plus selective factoring. Multi-currency advance and letters of credit integrated. Setup 10-15 days. SM
NatWest Invoice Finance
10 to 15 working days · Up to 90%NatWest Group (formerly RBS Group) invoice finance arm. £500k+ turnover focus. Standard high street bank profile and process. Strong banking relationship cross-sell into FX, deposits, current account. SME book reduced.
Barclays Invoice Finance
10 to 15 working days · Up to 90%UK high street bank with established invoice finance and ABL desk. £500k+ turnover focus. Standard high street profile: 10-15 day setup, bank credit committee, multi-product banking relationship cross-sell. SME book redu
Aldermore Invoice Finance
7 working days · Up to 90%Challenger bank with a dedicated invoice finance arm, relaunched as Receivables Finance in 2025 with Growth Guarantee Scheme accreditation. Mid-cost mid-speed mainstream choice. Bibby acquired Aldermore Working Capital F
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Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 12 May 2026