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

Best No-Personal-Guarantee Invoice Finance UK 2026

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

UK invoice finance without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typically £500k+ turnover, no single customer over 30% of sales, audited accounts). Selective spot factoring from Hydr, Triver, Sonovate and Kriya rarely requires a personal guarantee at all because the funder takes risk on the specific invoice rather than the business.

Last updated: 8 May 2026.

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UK invoice finance without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typ

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UK invoice finance without a personal guarantee is available from at least 4 providers and most digital fintechs. Aldermore, Skipton Business Finance, IGF Invoice Finance and Close Brothers will waive personal guarantees on facilities where the debtor concentration and ledger quality justify it (typically £500k+ turnover, no single customer over 30% of sales, audited accounts). Selective spot fact

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no personal guarantee invoice finance UK: providers, eligibility, costs, when to use, and how the product works for UK businesses.

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

Best UK providers

Provider	Fee from	Min turnover	Why it fits
Skipton Business Finance	0.5%+	£100k	PG-free option for low-risk profiles
Aldermore	0.7%+	£250k	PG can be waived for £1m+ confidential discounting
IGF Invoice Finance	1.0%+	£50k	Selective PG-free options on selective spot factoring
Close Brothers	0.5%+	£500k	PG sometimes replaced with debenture for £1m+ businesses
Hydr	Variable	No min	Digital spot factoring, no PG required typically

Can I get invoice finance without a personal guarantee UK?

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

Best UK invoice finance without director PG

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

No-PG invoice discounting providers UK

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

How to negotiate a no-PG invoice finance facility

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

Why some UK providers waive personal guarantees

See the FAQ below for the detailed answer to this question. For broader context on UK invoice finance, also see our how to choose a provider guide 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: 8 May 2026

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No Personal Guarantee Invoice Finance Uk FAQ

Can I get UK invoice finance without a personal guarantee?

Yes. Skipton Business Finance, Aldermore, IGF Invoice Finance and Close Brothers all offer no-PG options where the business turnover, debtor concentration and ledger quality justify it. Typical thresholds: £500k+ annual turnover, audited or filed accounts, no single customer over 30% of ledger, 12+ months of trading. Below those thresholds, PG is usually required.

Why do most invoice finance providers require a personal guarantee?

Personal guarantees protect the provider against fraudulent invoicing, ledger misrepresentation, and rapid director-led trading down. PGs aren't usually called for normal trading-loss reasons; they're called when fraud or misconduct is involved. Established providers waive PGs for businesses where these risks are demonstrably low (audited accounts, long trading history, strong debtor spread).

Best no-PG invoice finance for £1m+ turnover UK?

Aldermore and Close Brothers are the strongest choices for no-PG facilities at £1m+ turnover. Both will replace the PG with an all-asset debenture from the company, which gives the provider security over company assets without director personal exposure. Skipton Business Finance offers similar terms for businesses with strong audited financials.

Can selective spot factoring be PG-free?

Yes, mostly. Hydr, Triver, Sonovate and Kriya (formerly MarketInvoice, now Allica Bank) typically don't require personal guarantees on selective spot factoring because they take risk on the specific invoice rather than the business. The trade-off is higher per-invoice fees (1.5-3% vs 0.5-1% on whole-book facilities) but no director personal exposure.

How do I negotiate out of a personal guarantee on invoice finance?

Three levers: (1) demonstrate audited accounts with 2+ years of clean trading, (2) show debtor concentration is balanced (no customer over 30% of ledger), (3) offer alternative security (all-asset debenture, intercompany guarantee, increased reserves). Best to negotiate at facility renewal rather than initial setup. Most providers will reduce PG cap to a fixed amount (e.g. £100k) rather than fully waive on first ask.

Do fintechs always offer no-PG invoice finance?

No. Fintechs (Hydr, Triver) typically waive PGs on small selective spot factoring (sub-£50k advances). On larger committed facilities, fintechs request PGs the same as banks. Sonovate offers no-PG to recruitment agencies on contractor invoices because the contractor invoicing pattern is well-understood and the underlying timesheet data is strong evidence of work done.