UK invoice finance lenders work across the whole country, so an Aberdeen business can use any of them. What matters more is who your customers are. If you supply a few large energy companies, tell lenders early: many limit how much they lend against any one customer. Compare Bibby Financial Services and Ultimate Finance, which publish no minimum turnover, Lloyds (£100k minimum), Close Brothers and Aldermore (£750k) and IGF (over £5m). 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.
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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What this page covers
This page covers
invoice finance for Aberdeen businesses, including the oil and gas supply chain, subsea, marine and recruitment firms: what lenders look at and who to compare
Not covered here
Non-Scottish coverage, non-energy sectors (those are covered by sector-specific best-for pages)
What lenders look at for Aberdeen firms
Many Aberdeen firms work in or around North Sea oil and gas, subsea engineering, marine services or recruitment for those industries. Two things often come up when a lender looks at them.
First, how much you rely on a few customers. If one or two large operators owe you most of the money, a lender may cap how much it lends against each of them, or lend a lower share of those invoices. Tell the lender who your biggest customers are before it quotes.
Second, how long customers take to pay. The discount charge is interest on the money you draw, so the longer a customer takes, the more you pay. Give the lender your real payment times, not the terms on the contract, so the quote reflects what you will really pay.
Lenders to compare
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Lloyds Bank Commercial Finance | £100k (invoice discounting only) | Up to 90% | lloydsbank.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Aldermore Invoice Finance | £750k | Up to 90% | aldermore.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.
- Smaller firms: Bibby Financial Services and Ultimate Finance publish no minimum turnover. Lloyds publishes £100k and offers invoice discounting only.
- Larger firms: Close Brothers and Aldermore publish a £750k minimum. IGF works with businesses turning over more than £5m and can lend against stock and equipment as well as invoices (up to 90% (receivables); stock up to 85%, plant up to 75%).
- Recruitment agencies: see our page on invoice finance for recruitment, which covers lenders that also handle contractor payroll.
- Export work: Bibby lists export among the sectors it funds (Bibby sectors page, read 14 October 2026). Ask any lender whether it funds invoices in other currencies.
Related
- Compare invoice finance UK 2026
- Best for construction
- Invoice finance for engineering
- Single invoice finance
- All UK city pages
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UK invoice finance lenders work nationally; where you are based does not limit which lenders you can use.