Best Invoice Finance for £50k-£100k 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.

Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers, Bibby Financial Services, Ultimate Finance and IGF Invoice Finance all accept clients from £50,000 turnover with rates from 0.5% service charge. Hydr, Triver and Pulse Finance accept micro-businesses below £50,000 with no minimum threshold for selective spot factoring.

Last updated: 8 May 2026.

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UK businesses with £50k-£100k turnover have access to multiple invoice finance providers. Invoice finance is available for UK businesses turning over £50,000-£100,000 annually with several specialist providers. Close Brothers, Bibby Financial Services, Ultimate Finance and IGF Invoice Fina

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Best UK invoice finance for £50k-£100k 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 £50k-£100k turnover

Provider	Fee from	Min turnover	Why it fits
Close Brothers	0.5%	£50k	FTSE 250 bank, joint cheapest UK
Bibby Financial Services	0.75%	£50k	Largest UK independent, sector specialism
Ultimate Finance	0.8%	£50k	Fastest setup (3 days), 95% advance
IGF Invoice Finance	1.0%	£50k	Bad-credit and turnaround specialist
Hydr	Variable	No min	Digital spot factoring, sub-£50k accepted

How invoice finance works for £50k-£100k turnover businesses

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.

Small business invoice finance £50k-£100k UK

Cheapest UK invoice finance for under £100k turnover

What's the minimum turnover for invoice finance UK?

Should I use invoice finance at £50k 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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£50k-£100k Turnover Invoice Finance FAQ

What's the minimum turnover for invoice finance in the UK?

The UK invoice finance minimum turnover varies by provider. The major independents (Close Brothers, Bibby Financial Services, Ultimate Finance, IGF Invoice Finance) all accept businesses from £50,000 annual turnover. Specialists like Hydr, Triver, Pulse Finance and Sonovate accept micro-businesses below £50k via selective or spot factoring with no minimum threshold.

Can I get invoice finance at £50,000 turnover?

Yes. UK invoice finance is available from £50,000 turnover with at least 5 mainstream providers. Close Brothers, Bibby and Ultimate Finance all underwrite businesses at this level provided you have B2B invoices to creditworthy customers. Below £50k, look at digital fintechs like Hydr or Triver that offer per-invoice spot factoring.

Is invoice finance worth it for a small £50k-£100k business?

Worthwhile if you have at least £10,000 in B2B invoices outstanding at any time and 30-90 day payment terms. At £50k-£100k turnover, total invoice finance cost typically lands at 1.5-3.5% of turnover annually (£750-£3,500/year), unlocking 70-90% of invoice value as immediate cash. The break-even is when you save more in late-payment costs, growth opportunities or stress than the facility costs.

Which UK invoice finance provider is cheapest for small businesses under £100k turnover?

Close Brothers and Skipton Business Finance are joint-cheapest in the UK at 0.5% starting service charge. For sub-£100k turnover, Close Brothers is the more accessible (Skipton's threshold is £100k). Discount charge (Bank of England base rate 3.75% + 1-3%) is charged separately on the cash advanced.

Can a startup with £50k turnover get invoice finance?

Yes. Ultimate Finance, IGF Invoice Finance and Pulse Finance all accept startups with £50k turnover and 6-12 months of trading history, provided B2B invoices to creditworthy customers. Pure-startup spot factoring is available from Sonovate (recruitment), Hydr (digital), Triver (small business) and Kriya (formerly MarketInvoice, now part of Allica Bank) with no trading-history requirement.

Do I need a personal guarantee for £50k-£100k invoice finance?

Most UK providers require a personal guarantee from directors at £50k-£100k turnover. The exceptions: some Skipton Business Finance and Aldermore facilities can be no-PG with strong debtor concentration. IGF Invoice Finance and Pulse Finance occasionally waive PG for selective facilities. Most fintechs (Hydr, Triver) don't require PG on sub-£50k spot factoring.