Some UK invoice finance lenders fund invoices to overseas customers, but not all of them. HSBC says its invoice discounting works for export and UK sales, in sterling, euro, US dollars or most other major currencies. Bibby Financial Services has a separate export finance product, with a foreign exchange service and bad debt protection on offer. Close Brothers and Novuna also lend against invoices, but we have not checked their export terms, so ask them. Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.
What this page covers
This page covers
UK invoice finance lenders that fund invoices to overseas customers, what they publish about export, and what to ask
Not covered here
How export factoring works step by step (see /guides/export-invoice-finance/), domestic invoice finance comparison (see /compare/)
What each lender says about export
| Lender | Export invoices | Currencies |
|---|---|---|
| Bibby | Separate export finance product for "a wide range of overseas markets". Cash within 24 hours of uploading invoices. Source | Foreign exchange service for overseas payments |
| HSBC | Invoice discounting "can be used for both export and UK sales". Source | Sterling, euro, US dollars or most other major currencies |
| Close Brothers | Not checked: ask | Not checked: ask |
| Novuna | Not checked: ask | Not checked: ask |
Bibby and HSBC pages read 14 October 2026.
Published advance and minimum turnover
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| HSBC Invoice Finance | £1m | Up to 95% | business.hsbc.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Novuna Business Finance | None published | Up to 90% | novuna.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
How export invoice finance works
You sell to a customer abroad and raise an invoice. The lender pays you part of it up front. When your customer pays, you get the rest, minus the lender's fees. Some lenders chase the payment for you: Bibby says you can use its credit control team or keep collection in house.
If the invoice is in another currency, the money is converted at some point, and the rate on the day changes what you receive. Ask when that happens and what it costs. For a full walkthrough, see our export invoice finance guide.
If an overseas customer doesn't pay
On a standard (recourse) facility, you repay the lender if your customer doesn't pay. Bad debt protection or credit insurance covers some of that risk for a fee. Bibby offers bad debt protection alongside its export finance. Ask what it covers, the limit for each customer and what it costs.
Questions to ask before you apply
- Which countries will you fund, and is any of my customers' countries excluded?
- Which currencies can the invoices be in, and when do you convert them?
- Who contacts my overseas customers, and in what language?
- Is bad debt protection included, optional, or not offered, and what does it cost?
Stenn is no longer an option
Stenn, once known for cross-border invoice finance, was put into administration on 4 December 2024 (Trade Finance Global) and offers no new facilities. The full story is in Whatever happened to Stenn.
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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