Best Invoice Finance for Ecommerce UK 2026

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An ecommerce business can use invoice finance on sales it invoices to other businesses, such as wholesale orders to shops or distributors. The lender pays most of each invoice early. Sales to consumers paid by card have no invoice to fund, so they need a different product. For wholesale invoices, compare Bibby, Skipton and single-invoice lenders such as Hydr and Triver. Market Invoice compares UK invoice finance providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.

What this page covers

This page covers

Invoice finance for UK ecommerce businesses with trade customers, what lenders publish, and alternatives for card sales

Not covered here

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

Lenders to compare

LenderPublished minimum turnoverPaid up frontSource
Bibby Financial Services None published Up to 85% bibbyfinancialservices.com
Skipton Business Finance None published Up to 90% skiptonbusinessfinance.co.uk
Hydr No minimum Up to 100% per invoice hydr.co.uk

Figures as published on each lender's own website, checked 14 October 2026. Most of these lenders do not publish their fees.

Triver is not in our figures table. It says it advances single invoices with facilities up to £1m, and its fee starts at 0.06% a day, about 1.8% on a 30-day invoice, with a minimum charge of £18 (triver.com, read 14 Oct 2026).

For market ranges, UK broker ABC Finance says service charges usually fall between 0.5% and 3% of invoice value. Your quote may be outside that range. Selling only to consumers by card? See finance for Stripe and PayPal merchants.

AP

Adam Parker

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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Best Invoice Finance for Ecommerce UK FAQ

Can ecommerce businesses use invoice finance UK?

Only for sales you invoice to other businesses on credit terms, such as selling wholesale to shops or distributors. If you only sell to consumers who pay by card, there are no unpaid invoices to fund, so look at products repaid from card takings instead. See our page on finance for Stripe and PayPal merchants.

Which lenders suit ecommerce wholesalers?

If you invoice several shops or distributors every month, a whole-ledger lender such as Bibby (no published minimum) or Skipton (no published minimum) is worth a quote. If you only need to fund the odd large order, a single-invoice lender such as Hydr or Triver lets you choose which invoices to fund. If you don't want your trade customers to know, ask about confidential invoice discounting.

Can I finance Stripe or PayPal payouts?

Not with ordinary invoice finance, which funds invoices to business customers. Card and wallet takings are funded by other products, such as Stripe Capital or PayPal Working Capital, which you repay from future sales. Our page on finance for Stripe and PayPal merchants covers them.

What advance rates and fees should ecommerce expect?

The same as any business that invoices other businesses. UK broker ABC Finance says advances are typically 80% to 95% of the invoice and service charges usually fall between 0.5% and 3% of invoice value (read 14 Oct 2026). Lenders publish maximum advances: Bibby up to 85%, Skipton up to 90%, Hydr 100% per invoice. Triver says its fee starts at 0.06% a day, about 1.8% on a 30-day invoice.

Does invoice finance work alongside Stripe Capital or similar?

It can. Products like Stripe Capital are repaid from your card takings. Invoice finance is tied to specific invoices to business customers. A business that sells online to consumers and wholesale to shops could use one for each. Check that neither agreement stops you taking the other.

What if my business is small or new?

Single-invoice lenders such as Hydr publish no minimum turnover. Skipton publishes no minimum. Ask each lender what trading history it needs.