Hauliers usually pay for fuel and drivers well before customers pay their invoices. Invoice finance pays you most of each invoice early. Bibby offers transport businesses invoice finance, asset finance, export finance and foreign exchange (read 14 Oct 2026). Novuna offers invoice finance alongside vehicle finance. Ultimate Finance publishes the highest advance in the table below (up to 95%), and Close Brothers suits firms with turnover above its £750k minimum. None publishes its fees. Market Invoice compares UK invoice finance providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.
For transport and haulage, compare Bibby (invoice, asset and export finance for transport firms, up to 85%), Novuna (invoice and vehicle finance, up to 90%), Ultimate Finance (up to 95%) and Close Brothers (£750k minimum, up to 90%). None publishes fees. More detail + scope
This page covers
UK invoice finance lenders for transport and haulage firms, with published minimum turnover and advance figures
Not covered here
Full transport sector analysis (see /industries/transport/), vehicle asset finance (see /compare/factoring-vs-asset-finance/)
Lenders to compare
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Novuna Business Finance | None published | Up to 90% | novuna.co.uk |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Pick on what you need: Bibby or Novuna if you also want vehicle finance, Ultimate Finance if the advance matters most, Close Brothers if your turnover is above its £750k minimum.
Why hauliers use invoice finance
Fuel, wages, repairs and insurance are paid as you go, but customers often pay weeks after the job. Invoice finance brings most of that money forward, so a slow payer doesn't stop you taking the next load. You still pay fees, so check the total cost. Read our transport invoice finance guide for more.
What to ask each lender
- Proof of delivery: will it fund as soon as you have proof of delivery, or only once the invoice is raised?
- Customers abroad: if you run European routes, can it fund invoices to overseas customers and in euros?
- Vehicle finance: does it offer vehicle or asset finance too, and would combining them change the price?
- Lots of small invoices: pallet networks raise many low-value invoices. Ask how the lender handles volume and what it charges per invoice.
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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