Data Index
UK Invoice Finance Lender Criteria Index 2026
Cite this dataset: Parker, A. (2026). UK Invoice Finance Lender Criteria Index: Published Provider Terms Dataset. Zenodo. https://doi.org/10.5281/zenodo.21628520
The Lender Criteria Index is the structured, citable dataset of published UK invoice finance eligibility criteria: minimum turnover, advance rate, typical service charge band, setup speed and product availability for 19 direct lenders (plus 6 brokers, listed separately). Every value comes from the provider's own published criteria or Companies House records, carries a per-provider review date, and where a provider publishes no figure the cell says so rather than estimating. Download it as CSV or cite the DOI.
Last updated 2026-07-24 · Compiled by Market Invoice · Download CSV (July 2026 edition) · Rate index · Data sources and updates
| Provider | Min turnover | Advance rate | Service charge band | Setup | Confidential | Factoring | Reviewed |
|---|---|---|---|---|---|---|---|
| Bibby Financial Services | £100k | Up to 90% | 0.5% to 3% service charge plus discount margin | 5 working days | Yes | Yes | 2026-05-12 |
| Close Brothers Invoice Finance | £500k | Up to 90% | From 0.5% service charge | 5 working days | Yes | Yes | 2026-05-12 |
| Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | 3 working days | Yes | Yes | 2026-07-24 |
| Aldermore Invoice Finance | £750k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-07-15 |
| Skipton Business Finance | £100k | Up to 90% | 0.5% to 2.5% service charge | 5 working days | Yes | Yes | 2026-05-12 |
| IGF (Independent Growth Finance) | £1m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes | 2026-06-24 |
| Novuna Business Finance | £500k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-05-12 |
| Lloyds Bank Commercial Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| HSBC Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Barclays Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| NatWest Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Santander Invoice Finance | £500k | Up to 85% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes | 2026-05-12 |
| Time Finance | £250k | Up to 90% | 1.5% to 3% service charge | 7 working days | Yes | Yes | 2026-05-12 |
| Kriya (Allica Bank) | No minimum | Up to 100% per invoice | 1% to 4% per invoice | 1 working day | Yes | No | 2026-05-12 |
| eCapital | £100k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
| White Oak (UK) | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
| Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No | 2026-05-27 |
| SME Invoice Finance | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
Brokers and marketplaces (arrange, don't lend)
| Broker | Min turnover | Setup | Reviewed |
|---|---|---|---|
| Touch Financial Broker | Varies by funder | 3 to 10 working days | 2026-07-15 |
| Apollo Business Finance Broker | Varies by funder | 3 to 10 working days | 2026-05-27 |
| ABC Finance Broker | Varies by funder | 3 to 10 working days | 2026-07-15 |
| Swoop Funding Broker | Varies by funder | 3 to 10 working days | 2026-05-27 |
| Capitalise Broker | Varies by funder | 3 to 10 working days | 2026-05-27 |
| Fund Invoice Discounting Broker | Varies by funder | 3 to 10 working days | 2026-05-27 |
| Provider | Min turnover | Advance rate | Service charge band | Setup speed | Confidential | Factoring | Last reviewed |
|---|---|---|---|---|---|---|---|
| Bibby Financial Services | £100k | Up to 90% | 0.5% to 3% service charge plus discount margin | 5 working days | Yes | Yes | 2026-05-12 |
| Close Brothers Invoice Finance | £500k | Up to 90% | From 0.5% service charge | 5 working days | Yes | Yes | 2026-05-12 |
| Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | 3 working days | Yes | Yes | 2026-07-24 |
| Aldermore Invoice Finance | £750k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-07-15 |
| Skipton Business Finance | £100k | Up to 90% | 0.5% to 2.5% service charge | 5 working days | Yes | Yes | 2026-05-12 |
| IGF (Independent Growth Finance) | £1m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes | 2026-06-24 |
| Novuna Business Finance | £500k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-05-12 |
| Lloyds Bank Commercial Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| HSBC Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Barclays Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| NatWest Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Santander Invoice Finance | £500k | Up to 85% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 |
| Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes | 2026-05-12 |
| Time Finance | £250k | Up to 90% | 1.5% to 3% service charge | 7 working days | Yes | Yes | 2026-05-12 |
| Kriya (Allica Bank) | No minimum | Up to 100% per invoice | 1% to 4% per invoice | 1 working day | Yes | No | 2026-05-12 |
| eCapital | £100k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
| White Oak (UK) | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
| Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No | 2026-05-27 |
| SME Invoice Finance | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 |
Source: Market Invoice, compiled from published provider criteria and Companies House records (CC BY 4.0). DOI: 10.5281/zenodo.21628520
View as plain-text Markdown
### UK Invoice Finance Lender Criteria Index 2026: published criteria for 19 direct UK invoice finance lenders | Provider | Min turnover | Advance rate | Service charge band | Setup speed | Confidential | Factoring | Last reviewed | | --- | --- | --- | --- | --- | --- | --- | --- | | Bibby Financial Services | £100k | Up to 90% | 0.5% to 3% service charge plus discount margin | 5 working days | Yes | Yes | 2026-05-12 | | Close Brothers Invoice Finance | £500k | Up to 90% | From 0.5% service charge | 5 working days | Yes | Yes | 2026-05-12 | | Ultimate Finance | Not published | Up to 95% | Quoted per facility (not published) | 3 working days | Yes | Yes | 2026-07-24 | | Aldermore Invoice Finance | £750k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-07-15 | | Skipton Business Finance | £100k | Up to 90% | 0.5% to 2.5% service charge | 5 working days | Yes | Yes | 2026-05-12 | | IGF (Independent Growth Finance) | £1m | Up to 90% receivables + stock + plant | Bespoke pricing | 10 working days | Yes | Yes | 2026-06-24 | | Novuna Business Finance | £500k | Up to 90% | 1% to 2.5% service charge | 7 working days | Yes | Yes | 2026-05-12 | | Lloyds Bank Commercial Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 | | HSBC Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 | | Barclays Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 | | NatWest Invoice Finance | £500k | Up to 90% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 | | Santander Invoice Finance | £500k | Up to 85% | 0.7% to 1.5% service charge | 10 to 15 working days | Yes | Yes | 2026-05-12 | | Sonovate | No minimum | Up to 100% | 2% to 4% blended (funding + back-office) | 2 working days | No | Yes | 2026-05-12 | | Time Finance | £250k | Up to 90% | 1.5% to 3% service charge | 7 working days | Yes | Yes | 2026-05-12 | | Kriya (Allica Bank) | No minimum | Up to 100% per invoice | 1% to 4% per invoice | 1 working day | Yes | No | 2026-05-12 | | eCapital | £100k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 | | White Oak (UK) | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 | | Hydr | No minimum | Up to 100% per invoice | Flat fee per invoice financed | Same day to 1 working day | Yes | No | 2026-05-27 | | SME Invoice Finance | £50k | Up to 90% | Negotiated service charge plus discount margin | 5 to 10 working days | Yes | Yes | 2026-05-27 | Source: Market Invoice, compiled from published provider criteria and Companies House records (CC BY 4.0). DOI: 10.5281/zenodo.21628520
Methodology
Each provider is reviewed against a common schema from its own published criteria, with the legal entity checked against Companies House. Values a provider does not publish are recorded as "Not published" or "quote-only", never estimated. The dataset carries a per-provider last-reviewed date; the page date above is the most recent of them, so freshness is never overstated.
The CSV is generated from the same data file the site's comparison tables render from, so the download cannot disagree with the pages.
Published under Creative Commons Attribution 4.0. Reuse the figures with attribution to Market Invoice (marketinvoice.co.uk), or cite the DOI above. See data sources and updates for how every feed on this site refreshes.