BoE Base Rate: 3.75% (since 18 March 2026) Invoice finance discount charges are typically base rate + 1.5-3.5%

Best Invoice Finance for Ecommerce UK 2026

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders.

Ecommerce businesses can use UK invoice finance when they invoice B2B customers (wholesalers selling to retailers, D2C brands selling to distributors, marketplaces with B2B accounts). Standard whole-turnover or selective invoice finance applies at 70 to 90 percent advance rates and 0.5 to 3 percent fees. For pure D2C brands without B2B invoicing, the closer products are Stripe Capital, Shopify Capital and merchant cash advances based on card receipts. Specialist providers like Triver, Hydr and Kriya accept ecommerce-specific receivables; Sonovate and Bibby handle larger wholesaler facilities.

Last updated: 9 May 2026.

Quick Reference

Direct Answer

Ecommerce businesses can use UK invoice finance when they invoice B2B customers (wholesalers selling to retailers, D2C brands selling to distributors, marketplaces with B2B accounts). Standard whole-turnover or selective invoice finance applies at 70 to 90 percent advance rates and 0.5 to 3 percent

Summary

Ecommerce businesses can use UK invoice finance when they invoice B2B customers (wholesalers selling to retailers, D2C brands selling to distributors, marketplaces with B2B accounts). Standard whole-turnover or selective invoice finance applies at 70 to 90 percent advance rates and 0.5 to 3 percent fees. For pure D2C brands without B2B invoicing, the closer products are Stripe Capital, Shopify Capital and merchant cash advances based on card receipts. Specialist providers like Triver, Hydr and Kriya accept ecommerce-specific receivables; Sonovate and Bibby handle larger wholesaler facilities.

This Page Covers

invoice finance for ecommerce UK: B2B wholesalers, D2C distributors, Stripe/PayPal collateral, advance rates and providers

Not Covered Here

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

UK providers worth knowing

Provider	Fee from	Min turnover	Why it fits
Hydr	Variable	No min	Single-invoice spot factoring, instant decisions
Triver	1.5%+	No min	API-driven instant decisions, ecommerce friendly
Kriya (Allica Bank)	1.5%+	£100k	Selective B2B receivables financing
Bibby Financial Services	0.5%+	£100k	Larger wholesalers + credit control
Skipton Business Finance	0.5%+	£100k	Consumer goods wholesale bias

When ecommerce businesses qualify for invoice finance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Best UK providers for ecommerce wholesalers

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Stripe and PayPal payouts as collateral

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Advance rates and fees for ecommerce receivables

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Invoice finance vs Shopify Capital vs merchant cash advance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

OM

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: 9 May 2026

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Best Invoice Finance for Ecommerce UK FAQ

Can ecommerce businesses use invoice finance UK?

Yes if you invoice B2B customers. Wholesalers selling to retailers, D2C brands invoicing distributors, marketplaces with B2B accounts all qualify. Standard 70-90% advance rates and 0.5-3% fees apply. Pure D2C brands selling only to consumers via Shopify with card payments need merchant cash advances or Shopify Capital instead.

Best invoice finance for ecommerce wholesalers UK?

Bibby Financial Services and Skipton Business Finance for £500k+ turnover wholesalers with multiple retailer customers. Hydr and Triver for selective spot factoring on individual large invoices. Aldermore for £1m+ confidential discounting where you don't want retailers to know. IGF for sub-£500k startup wholesalers.

Can I finance Stripe or PayPal payouts as collateral?

A handful of specialist providers (Hydr, some fintech lenders via Capitalise broker) treat aggregated Stripe/PayPal payout receivables as financeable when the underlying transaction is B2B and recurring. Most invoice finance providers don't touch consumer card receivables. For pure card receivables, look at Stripe Capital (revenue-based finance) or Liberis (merchant cash advance) instead.

What advance rates and fees should ecommerce expect?

B2B wholesale invoices: 80-90% advance rate, 0.5-2% fee, similar to standard invoice finance. Higher debtor risk (small independent retailers) attracts haircuts of 60-75%. Stripe/PayPal-style aggregated receivables (where accepted): 50-70% advance, 2-4% fee. Selective spot factoring on individual large wholesaler invoices: 70-85% advance, 1.5-3% fee, no minimum facility.

Does invoice finance work alongside Shopify Capital or Stripe Capital?

Yes for B2B revenue. Shopify Capital and Stripe Capital are revenue-based finance products tied to your card receipts and repaid via percentage of future sales. Invoice finance is debt-based and tied to specific B2B receivables. The two can coexist on the same business. Many ecommerce wholesalers use Stripe Capital for retail card revenue and invoice finance for B2B wholesale invoices.

Best ecommerce-friendly UK invoice finance for sub-£500k startups?

Hydr and Triver for instant decisions on individual large B2B wholesale invoices (no facility, no contract, no minimum). IGF Invoice Finance for selective facilities from £50k turnover. Kriya for £100k+ turnover ecommerce wholesalers. Skipton Business Finance for £100k+ ecommerce with bias toward consumer goods wholesale.