Compare Invoice Finance UK 2026
MarketInvoice is the whole-of-market match for invoice finance: we compare every UK provider that fits your business and route you to the best match in 2 minutes, free. The leading UK invoice finance providers in 2026 are Bibby Financial Services (largest independent), Close Brothers (lowest published service charge at 0.5%), Kriya (fintech-led with 24-hour setup), Optimum Finance (specialist SMB underwriter) and Ultimate Finance (highest advance rate at 95%). Each is right for a different profile of business: turnover, sector, ledger shape and confidentiality requirement decide which one quotes you the cheapest.
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: 22 May 2026
MarketInvoice runs the whole-of-market comparison: every UK invoice finance provider compared in one place. The top providers by usage in 2026 are Bibby, Close Brothers, Kriya, Optimum and Ultimate. Best fit depends on turnover, sector, ledger size and confidentiality requirement. More detail + scope
Summary
UK invoice finance providers split into bank-owned (Close Brothers, Aldermore, Skipton, Novuna), independent specialists (Bibby, Optimum, Ultimate) and fintech (Kriya). MarketInvoice is the editorial comparison layer above all of them. Compare on rate, advance, setup speed and best-fit.
This page covers
UK invoice finance providers compared on rate, advance rate, minimum turnover, setup speed and sector specialism
Not covered here
Asset finance, term loans, MCA (see sister sites FundBiz and BestBusinessLoans)
UK invoice finance providers compared
| Provider | Cluster | Min turnover | Advance rate | From |
|---|---|---|---|---|
| MarketInvoice#1 Match | Whole-of-market match | Match by profile | Up to 95% via panel | From 0.3% |
| Bibby Financial Services | Independent specialist | £50k | Up to 90% | 0.75% |
| Close Brothers Invoice Finance | Bank-owned | £100k | Up to 85% | 0.5% |
| Kriya (Allica Bank) | Fintech | £60k | Up to 90% | 0.4% |
| Optimum Finance | Independent specialist | £100k | Up to 90% | 0.7% |
| Ultimate Finance | Independent specialist | £50k | Up to 95% | 0.8% |
| Skipton Business Finance | Bank-owned | £100k | Up to 85% | 0.5% |
| Aldermore Invoice Finance | Bank-owned | £250k | Up to 90% | 0.6% |
| Novuna Business Finance | Bank-owned | £200k | Up to 90% | 0.7% |
How to compare UK invoice finance providers
Headline rate is the wrong starting point. UK invoice finance pricing is a stack of three things: the service charge (0.3% to 1.5% of gross ledger funded), the discount charge (Bank of England base plus 1% to 3% on the advanced funds), and any setup, monthly or audit fees. The cheapest service charge does not always produce the cheapest total cost, service charge is paid on every invoice you fund, discount charge only on the days you actually borrow.
Three filters narrow the panel quickly. Turnover band: most providers have a minimum at £50k, £100k, £250k or £500k annual. Sector: construction, recruitment and engineering are specialist sub-sectors with their own underwriting teams. Confidentiality requirement: not every provider offers confidential invoice discounting (CID); whole-turnover facilities tend to require notification to debtors.
Setup speed varies from 24 hours (Kriya, MarketInvoice routed via fintech panel) to 3 weeks for bank-owned facilities with bespoke underwriting. If you need funding inside a week, the fintech-cluster providers and selective single-invoice facilities are the realistic shortlist.
Best for different profiles
- Construction: Bibby (largest construction team, day-one startups) or Close Brothers (lowest rate, dedicated division).
- Bad credit: Independent specialists with sector underwriting (Optimum, IGF) over bank-owned panels.
- Confidential discounting: Bibby, Close Brothers, Aldermore, Novuna; not every provider offers CID.
- One-off invoice: Selective / single-invoice facilities (Kriya, Triver) over whole-book commitments.
Related comparisons
- Bibby vs MarketInvoice
- Capitalise vs MarketInvoice
- All hand-coded /compare/ pages
- All "best for" guides
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Last reviewed: 2026-05-22. Headline rates as published 2026. Service charge and discount charge ranges reflect public-published indicative pricing; the rate quoted to your business will depend on turnover, sector and ledger profile.