If you supply the NHS and invoice trusts on credit terms, invoice finance pays you most of each invoice before the trust does. Lenders to compare include Close Brothers (£750k minimum turnover), Skipton (no published minimum), Bibby (no published minimum) and, for staffing agencies, Sonovate. None of them publishes its fees, so get quotes and tell each lender your customers are NHS bodies. Market Invoice compares UK invoice finance providers, 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 NHS suppliers and NHS staffing agencies: lenders to compare and what they publish
Not covered here
NHS procurement processes, healthcare tender requirements, CQC compliance
Lenders to compare
| 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 |
| Sonovate | No minimum | Up to 100% | sonovate.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Sonovate's up to 100% is a prepayment limit for recruitment agencies, as its own site puts it (Sonovate). The other lenders advance part of each invoice and pay you the rest, less fees, when the customer pays.
Do NHS invoices get you a better price?
Lenders price partly on the risk that your customers won't pay, and NHS bodies are publicly funded. That can help your quote. But no lender here publishes its fees, so we can't promise a lower price. Get quotes from more than one and compare the total cost.
NHS staffing agencies
Nursing and healthcare staffing agencies pay their workers weekly, but invoice the trust and wait to be paid. Invoice finance covers that gap. Sonovate is built for recruitment agencies and adds timesheets and worker pay. If you supply equipment, consumables or services instead, a whole-ledger lender such as Close Brothers, Skipton or Bibby is the usual route.
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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