Best Invoice Finance for £10m+ 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 £10m+ turnover sit in the corporate / large mid-market segment where invoice finance becomes one tool in a broader working capital strategy alongside asset-based lending, supply chain finance, trade finance and committed credit lines. HSBC Invoice Finance, Lloyds Commercial Finance, BNP Paribas Commercial Finance, Investec Capital Solutions, Close Brothers and Arbuthnot Commercial ABL all compete. Service charges drop to 0.15-0.35%; total cost of funds often comes in below 1.0% of turnover.

Last updated: 8 May 2026.

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UK businesses with £10m+ turnover have access to multiple invoice finance providers. UK businesses with £10m+ turnover sit in the corporate / large mid-market segment where invoice finance becomes one tool in a broader working capital strategy alongside asset-based lending, supply cha

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Best UK invoice finance for £10m+ 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 £10m+ turnover

Provider	Fee from	Min turnover	Why it fits
HSBC Invoice Finance	0.2-0.5%	£500k	International network, multi-currency, trade finance bundle
Lloyds Commercial Finance	Negotiated	£500k	Largest UK bank book, full corporate banking
BNP Paribas Commercial Finance	Negotiated	£5m	International, large facility, EUR/USD strength
Investec Capital Solutions	0.3%+	£5m	Specialist £5m-£100m + ABL
Arbuthnot Commercial ABL	Negotiated	£10m+	Private bank, bespoke ABL structures
Close Brothers	0.15-0.35%	£500k	FTSE 250 stability, competitive at scale

Corporate invoice finance UK £10m+ turnover

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.

Asset-based lending UK large business

Supply chain finance UK £10m+

International invoice finance for UK corporates

Invoice finance vs committed credit line at corporate scale

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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£10m+ Turnover Invoice Finance FAQ

Best UK invoice finance for £10m+ turnover business?

Six providers compete at this level: HSBC, Lloyds, BNP Paribas, Investec, Arbuthnot Commercial ABL, and Close Brothers. Choice depends on what you need alongside invoice finance: international banking (HSBC, BNP), corporate banking bundle (Lloyds, HSBC), specialist mid-corporate service (Investec, Arbuthnot), or vanilla low-cost (Close Brothers).

Asset-based lending vs invoice finance at corporate scale?

ABL combines invoice finance with stock finance, plant and machinery finance and sometimes property finance into one committed facility. At £10m+ turnover this is often cheaper and more flexible than separate facilities. Investec, Arbuthnot and Aldermore all structure ABL for corporates. Pricing typically 1.0-2.0% of total facility limit annually.

Supply chain finance vs invoice discounting at £10m+ turnover?

Different products. Supply chain finance (also called reverse factoring) is initiated by your customer to fund THEIR suppliers (you're the supplier benefiting from early payment of their invoices to you). Invoice discounting is initiated by you, funding YOUR sales ledger. Many UK corporates use both. HSBC, Lloyds, and Citi UK all offer supply chain finance programmes.

Cheapest UK invoice finance at £10m+ turnover?

Close Brothers' confidential invoice discounting starts at 0.15-0.25% service charge for clean £10m+ businesses. HSBC and Lloyds negotiate to comparable rates inside a banking relationship. Total cost of funds (service + discount + minimum fees) at this level typically lands below 1.0% of turnover annually, making it cheaper than overdrafts or term loans of equivalent size.

Can I run an invoice finance tender at £10m+ turnover?

You should. At £10m+ turnover, untendered legacy invoice finance is almost always over-priced. Invite 5-6 providers (mix of bank, specialist, independent, international), share the same data pack, structure response timeline. Typical savings: 20-40% off existing service charges plus better notice periods, lower minimum fees, and bundled bad debt protection.

How do I structure invoice finance alongside other corporate facilities?

At £10m+ turnover invoice finance is typically one component of a working capital programme. Structure considerations: synchronise renewal dates, negotiate cross-default terms carefully, ensure intercreditor agreements between banks if multi-bank, integrate cash-flow forecasting across facilities. Most corporate clients use external advisers (independent debt advisory) to negotiate the package.