MarketInvoice data

The datasets behind MarketInvoice: provider rates, a lender league table and a market-activity tracker built from the Companies House register of charges, days-to-pay by sector from official payment-practices reporting, and the factoring vs discounting market split. Every figure is tied to its source and dated. All datasets are free to cite and reuse with attribution and a link.

• UK Invoice Finance Lender Criteria Index Published eligibility criteria per provider: minimum turnover, advance rate, service charge band and setup speed, with CSV download and DOI.
• UK Invoice Finance Rate Index Verified service charge, advance rate, minimum turnover and setup speed for leading UK invoice finance providers, in one comparable table.
• UK Invoice Finance Lender League Table Invoice finance lenders ranked by the total number of debentures registered on the Companies House register of charges, outstanding and satisfied together.
• UK Invoice Finance Key Figures Companies and charges since 2015, share of all charges filed, two or more lenders, company age at first charge, liquidation rates and lenders by year, from the register of charges.
• Invoice Finance Use by Sector and Region Active companies with a new invoice finance charge in 2025, per 1,000 active companies, by sector and by region of registered office.
• UK Invoice Finance Market Activity Monthly count of new UK invoice finance debentures registered at Companies House, broken down by lender.
• UK Days to Pay by Sector Ranked table of how long large UK businesses take to pay suppliers, by sector, from official payment-practices reporting.
• Factoring vs Discounting: the UK Market Split How the UK invoice finance market divides between factoring and confidential invoice discounting, by clients and by advances.
• UK Invoice Finance Regulatory Timeline Dated, primary-sourced chronology from the Late Payment Act 1998 and the ABFA to UK Finance, Payment Practices Reporting, the Fair Payment Code and the Commercial Payments Bill.
• State of UK Invoice Finance 2026 An annual snapshot compiled from figures already published on this site and by UK Finance: market size, published pricing, days to pay by sector and the regulatory changes of the year.
• Fair Payment Code Signatory Benchmark Days to pay for Fair Payment Code signatories against non-signatories, from a matched join of the Small Business Commissioner list and payment-practices reporting, with the caveats stated.
• Base Rate and Payment Reporting Calendar Every 2026 Bank of England Bank Rate decision date, and the statutory 30-day filing window for Payment Practices Reporting.
• Published Service Charges by Provider Type Service charge ranges from the providers that publish one, grouped by provider type, with the sample size shown. Small samples, so not a market benchmark.
• Personal Guarantee and Debenture Positions When a director personal guarantee is usual, and the alternative security stated, for a small sample of providers, taken from our review pages.
• How to cite: DOIs and changelog Ready-made APA, Harvard and BibTeX citations for every dataset with a DOI, the deposited files and checksums, and every value changed since each deposit.
• Data API and MCP endpoint Read-only public API for the provider terms and rates: REST, OpenAPI 3 and an MCP server for AI agents.

How to cite these datasets

Cite the dataset name, MarketInvoice, and the page URL, with the date you accessed it. Three datasets also have a DOI on Zenodo; how to cite them gives ready-made citations and a dated changelog for each. Each dataset page carries its own methodology, source list and last-updated date. For deeper written analysis, see the research hub and the sector statistics pages.