Best Invoice Finance for £100k-£500k Turnover Businesses, UK 2026

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders by what fits your turnover band, sector and finance type.

UK businesses with £100,000-£500,000 turnover have access to all mainstream invoice finance providers and the most competitive rates in the market. Close Brothers and Skipton Business Finance lead on cost (from 0.5% service charge), Ultimate Finance leads on speed (3-day setup, 95% advance), Bibby Financial Services leads on sector expertise, and Aldermore opens up confidential discounting from £250k. This turnover band is the sweet spot where providers compete most aggressively.

Last updated: 8 May 2026.

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UK businesses with £100k-£500k turnover have access to multiple invoice finance providers. UK businesses with £100,000-£500,000 turnover have access to all mainstream invoice finance providers and the most competitive rates in the market. Close Brothers and Skipton Business Finance lead on

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Best UK invoice finance for £100k-£500k turnover businesses: providers, pricing, eligibility, and product fit at this turnover level.

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General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

Best providers for £100k-£500k turnover

Provider	Fee from	Min turnover	Why it fits
Close Brothers	0.5%	£50k	Joint cheapest UK, FTSE 250 stability
Skipton Business Finance	0.5%	£100k	Joint cheapest, building society backed
Bibby Financial Services	0.75%	£50k	UK's largest independent, sector teams
Aldermore	0.7%	£250k	Confidential discounting from £250k
Novuna Business Finance	0.7%	£100k	Bank-owned (Mitsubishi UFJ), stable

Why £100k-£500k is the invoice finance sweet spot

See the FAQ below for the detailed answer to this question. For broader context on UK invoice finance for businesses in this turnover bracket, also see our how to choose a provider guide and our cost calculator.

Best UK invoice finance for £250k turnover SMEs

Confidential invoice discounting from £250k turnover

Cheapest invoice finance for £100k-£500k turnover UK

How much does invoice finance cost at £100k-£500k turnover?

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 8 May 2026

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£100k-£500k Turnover Invoice Finance FAQ

Why is £100k-£500k the best turnover band for invoice finance pricing?

Providers compete most aggressively in this band because the credit risk is well understood (>£100k turnover means established trading) but facility size is small enough to be competitive (no need for multi-bank syndication). Close Brothers, Skipton, Bibby, Ultimate Finance, Aldermore and Novuna all actively pitch businesses in this turnover bracket, driving headline rates down to 0.5-0.75%.

Can I get confidential invoice discounting at £250k turnover?

Yes. Aldermore is the standout option for confidential invoice discounting from £250,000 turnover with established credit control. Most other providers (Close Brothers, Skipton, Novuna) require £500k+ for confidential. If you're under £250k, you're typically restricted to disclosed factoring.

How much does invoice finance cost for a £250k turnover business?

Total annual cost at £250k turnover typically lands at £3,000-£8,000 (1.2-3.2% of turnover). Service charge from £1,250 (Close Brothers/Skipton at 0.5%) plus discount charge (currently 3.75% BoE base + 1-3% margin on advanced cash). Many providers waive minimum monthly fees in this band; check this before signing.

Best UK invoice finance for £500k turnover business?

At £500k turnover you have the full UK market open. Close Brothers and Skipton lead on rate (0.5%). For confidential invoice discounting (most facilities at this level), all major banks and challenger banks compete (HSBC, Lloyds, Aldermore, Novuna, Close Brothers). For sector specialism (recruitment, construction), Bibby Financial Services is the strongest fit.

Can I switch from disclosed factoring to confidential invoice discounting at this turnover?

Most providers will switch you to confidential invoice discounting once you cross approximately £500k turnover and have demonstrated 12+ months of stable credit control. Aldermore is unusual in offering confidential from £250k. Close Brothers and Skipton both convert existing factoring clients to discounting on request when criteria are met.

What's the right facility size at £100k-£500k turnover?

Most providers offer facility limits of 70-90% of your gross outstanding ledger. At £100k-£500k turnover with 30-60 day payment terms, that's typically £8k-£75k of available headroom at any time. Don't over-size; you only pay discount charges on cash actually drawn, but service charges are typically based on facility limit.