SaaS Receivables Finance UK 2026

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Market Invoice is an independent UK invoice finance comparison site. It lists 76 trading UK invoice finance providers.

A UK SaaS business can use invoice finance on invoices it sends to business customers, such as annual or quarterly contract invoices. The lender pays you part of the invoice now and the rest, minus fees, when your customer pays. For one large invoice at a time, Hydr shows a £118.50 fee on a £3,000 invoice in its own example, and Triver charges from 0.06% a day (both read 14 Oct 2026). For a steady flow of business invoices, a whole-ledger lender such as Bibby or Aldermore may fit.

What this page covers

This page covers

Invoice finance for UK SaaS businesses: which invoices fit, UK lenders and their published terms, and how it differs from recurring revenue finance

Not covered here

General invoice finance education (see /guides/), SaaS guide (see /guides/invoice-finance-for-saas-companies/), individual provider reviews (see /providers/)

UK lenders to compare

LenderPublished minimum turnoverPaid up frontSource
Hydr No minimum (one invoice at a time) Up to 100% per invoice hydr.co.uk
Bibby Financial Services None published Up to 85% bibbyfinancialservices.com
Aldermore Invoice Finance £750k Up to 90% aldermore.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 Most of these lenders do not publish their fees.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 also funds single invoices, from £100 to £100,000, for a fee from 0.06% a day (about 1.8% on a 30-day invoice). It only funds invoices to UK limited companies, LLPs, public sector bodies or large overseas companies (triver.com, read 14 Oct 2026).

Which SaaS income fits

Our guide to invoice finance for SaaS companies goes into contract invoices and costs in more detail.

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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SaaS Receivables Finance UK FAQ

Can SaaS businesses get invoice finance in the UK?

Yes, on invoices you send to business customers, such as annual or quarterly contract invoices. Invoice finance pays you part of an unpaid invoice now. It does not fund future subscription income you haven't invoiced yet, and card payments from monthly self-serve customers aren't invoices.

Which UK lenders suit a SaaS business?

For the odd large invoice, single-invoice lenders such as Hydr and Triver let you fund one invoice at a time. Hydr says it pays up to 100% of an invoice minus a fixed fee, and Triver charges from 0.06% a day (both read 14 Oct 2026). If you have many business customers on regular invoices, a whole-ledger lender such as Bibby or Aldermore may fit; Aldermore needs £750k turnover.

What does Hydr charge?

Hydr says its fees are fixed. Its own calculator example shows a £118.50 fee on a £3,000 invoice, leaving £2,881.50, paid within as little as 24 hours (hydr.co.uk, read 14 Oct 2026). Your quote depends on the invoice and the customer.

What does Triver charge?

Triver says its fee starts at 0.06% a day, about 1.8% on a 30-day invoice, with a minimum upfront charge of 10 days' fees (at least £18). Invoices can be from £100 to £100,000, within a total facility of up to £1 million (triver.com, read 14 Oct 2026).

What about recurring revenue finance?

Some lenders advance cash against future subscription income instead of invoices, often called recurring revenue or revenue-based finance. Several of the best-known, such as Capchase and Re:cap, are based outside the UK, and we have not checked which lend to UK businesses or what they charge. It is a different product from invoice finance, so compare the total cost of each separately.

Can a pre-revenue tech business use invoice finance?

No. Invoice finance needs invoices already raised to business customers who can pay. A business with no customers yet would need a different kind of funding.