If you invoice government departments, councils or the NHS, lenders usually see your customers as strong payers. That can help when you ask for a quote. None of the lenders below publishes its fees, so the only way to see a price is to get quotes and compare the total cost. 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
Invoice finance for suppliers to UK public bodies: what lenders publish, how public-sector customers affect a facility, and what to ask
Not covered here
Government procurement processes, tender writing, specific contract requirements
What these lenders publish
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
None of these lenders publishes a policy on public-sector invoices. Check with each one that it will fund your customers and your contract terms.
Why public-sector customers help
A lender gets its money back when your customer pays the invoice. So it cares a lot about who your customers are. Central government, councils, NHS bodies, schools and the emergency services are usually seen as low credit risk. That can mean the lender is willing to lend a higher share of those invoices, or charge less, than it would for a ledger of small private customers. Nothing is guaranteed: each lender decides for itself.
What to ask before you sign
- Will you fund invoices to my public-sector customers, and are any excluded?
- Does my contract allow me to assign the money owed to a lender? Some contracts restrict this.
- How do you treat invoices that are approved in stages, or that need a purchase order number?
- What is the total cost, including the service charge, the discount charge and any minimum fees?
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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