Data Index

UK Invoice Finance Lender League Table

Data as of October 2026. Aggregate analysis of the live Companies House register of charges. Every figure traces to the public filings.

The biggest invoice finance providers in the UK, measured by the total number of debentures they have registered on the Companies House register of charges (outstanding and satisfied together), are Lloyds Bank Commercial Finance (15,423 debentures, 6,593 outstanding), RBS / NatWest Invoice Finance (13,333 debentures, 5,760 live), followed by Bibby Financial Services (10,332), HSBC Invoice Finance (9,540) and Skipton Business Finance (2,100). These rankings come from a scan of 87,234 invoice-finance debentures across 104 lenders, of which 40,753 are still outstanding. Source: analysis of the live Companies House register of charges.

Lloyds Bank Commercial Finance holds the most invoice finance debentures in this scan: 15,423 in total, 6,593 of them still outstanding, just ahead of RBS / NatWest Invoice Finance on 13,333. Source: Companies House register of charges

Lender league table, most debentures first

A debenture is the fixed-and-floating charge a lender registers when it funds a business. "Outstanding" means the charge is not recorded as satisfied on the Companies House register; "ended" means a satisfaction filing has been made. Companies House does not require a lender to file that a charge has been satisfied, so an unsatisfied charge is not proof of a current facility. Ranked by total debentures held.

Rank Lender Total debentures Outstanding Ended (satisfied)
1 Lloyds Bank Commercial Finance 15,423 6,593 8,830
2 RBS / NatWest Invoice Finance 13,333 5,760 7,573
3 Bibby Financial Services 10,332 4,277 6,055
4 HSBC Invoice Finance 9,540 5,329 4,211
5 Skipton Business Finance 2,100 1,096 1,004
6 eCapital Commercial Finance 1,821 1,603 218
7 ABN AMRO Asset Based Finance 1,599 251 1,348
8 Close Brothers Invoice Finance 1,485 542 943
9 SME Invoice Finance 1,404 566 838
10 Nucleus Commercial Finance 1,227 875 352
11 IGF (Independent Growth Finance) 1,136 669 467
12 4Syte 1,057 869 188
13 Venture Finance 1,034 114 920
14 Team Factors 989 625 364
15 Apollo Business Finance 957 697 260
16 Advantedge Commercial Finance 922 595 327
17 Cynergy Business Finance 917 761 156
18 Arbuthnot Commercial ABL 895 679 216
19 Quba Solutions 826 570 256
20 Time Finance 809 697 112
21 GE Commercial Finance 719 30 689
22 Wells Fargo Capital Finance 711 411 300
23 Zodeq 684 486 198
24 PNC Business Credit 666 214 452
25 Optimum SME Finance 664 423 241
26 Leumi ABL 655 141 514
27 Griffin Factors 626 159 467
28 Aldermore Invoice Finance 622 195 427
29 Alliance & Leicester Commercial Finance 622 369 253
30 Sonovate 619 462 157
31 Ultimate Finance 566 172 394
32 MarketFinance Limited 498 140 358
33 Praetura Commercial Finance 490 326 164
34 MarketInvoice Limited 489 104 385
35 Alex Lawrie Factors 453 82 371
36 Investec Capital Solutions 439 307 132
37 Calverton Finance 425 89 336
38 TFG Capital 404 179 225
39 Factor 21 366 201 165
40 NMB-Heller 350 10 340
41 Centric Commercial Finance 330 37 293
42 Euro Sales Finance 320 47 273
43 Positive Cashflow Finance 316 156 160
44 Ashley Commercial Finance 315 69 246
45 GMAC Commercial Finance 311 40 271
46 WeDo Finance 301 210 91
47 Burdale Financial 289 28 261
48 Peak Cashflow 288 224 64
49 Cattles Invoice Finance 271 64 207
50 Five Arrows Commercial Finance 223 14 209
51 Confidential Invoice Discounting 222 25 197
52 GC Factoring 214 132 82
53 Gener8 Finance 209 87 122
54 Shire Invoice Finance 203 130 73
55 Kellock 203 36 167
56 Pulse Finance 199 50 149
57 Liquid Link 196 128 68
58 Crédit Agricole Leasing & Factoring 185 148 37
59 Giant Finance 179 144 35
60 Heritage Commercial Finance 176 84 92
61 Satago 168 16 152
62 BZ Commercial Finance 167 84 83
63 TSB Commercial Finance 166 33 133
64 Novuna Business Finance 157 43 114
65 Eurofactor (UK) 155 8 147
66 Reward Finance Group 150 67 83
67 RDM Factors 143 33 110
68 Kriya Finance Limited 138 60 78
69 Regency Factors 136 56 80
70 Sallyport Commercial Finance 134 109 25
71 Easy Invoice Finance 129 60 69
72 BNP Paribas Commercial Finance 129 69 60
73 Partnership Invoice Finance 117 99 18
74 Working Capital Partners 117 22 95
75 Flex ABL 100 78 22
76 London Scottish Invoice Finance 99 25 74
77 HH Cashflow Finance 98 29 69
78 City Invoice Finance 95 10 85
79 Redd Factors 90 49 41
80 First National Invoice Finance 84 5 79
81 UCB Invoice Discounting 69 4 65
82 First Capital Factors 62 14 48
83 AIB Commercial Finance 60 29 31
84 Eastern Counties Finance 58 14 44
85 ING Commercial Finance 54 41 13
86 Hill Samuel Commercial Finance 52 5 47
87 Metropolitan Factors 49 12 37
88 KBC Commercial Finance 48 38 10
89 Hilldun 46 27 19
90 Dynamic Commercial Finance 45 8 37
91 Reedham Factors 44 15 29
92 Maddox Factoring 42 14 28
93 Select Invoice Finance 35 7 28
94 Ulster Factors 29 12 17
95 County Factors 28 7 21
96 GLE Invoice Finance 25 5 20
97 Arbuthnot Factors 24 11 13
98 Causeway Invoice Discounting 22 0 22
99 Sygnet Invoice Finance 12 2 10
100 Ester Finance Technologies 12 10 2
101 International Factors 9 1 8
102 Single Invoice Finance 8 0 8
103 Royscot Factors 3 1 2
104 Anglo Factoring Services 2 0 2

Total across the scan: 87,234 debentures from 104 lenders, 40,753 still outstanding. Lender shares are indicative of the scanned sample, not the entire register.

UK invoice finance lender league table, by total debentures on the live Companies House register of charges (scan through 2026-10-22)
RankLenderTotal debenturesOutstandingEnded (satisfied)
1Lloyds Bank Commercial Finance1542365938830
2RBS / NatWest Invoice Finance1333357607573
3Bibby Financial Services1033242776055
4HSBC Invoice Finance954053294211
5Skipton Business Finance210010961004
6eCapital Commercial Finance18211603218
7ABN AMRO Asset Based Finance15992511348
8Close Brothers Invoice Finance1485542943
9SME Invoice Finance1404566838
10Nucleus Commercial Finance1227875352
11IGF (Independent Growth Finance)1136669467
124Syte1057869188
13Venture Finance1034114920
14Team Factors989625364
15Apollo Business Finance957697260
16Advantedge Commercial Finance922595327
17Cynergy Business Finance917761156
18Arbuthnot Commercial ABL895679216
19Quba Solutions826570256
20Time Finance809697112
21GE Commercial Finance71930689
22Wells Fargo Capital Finance711411300
23Zodeq684486198
24PNC Business Credit666214452
25Optimum SME Finance664423241
26Leumi ABL655141514
27Griffin Factors626159467
28Aldermore Invoice Finance622195427
29Alliance & Leicester Commercial Finance622369253
30Sonovate619462157
31Ultimate Finance566172394
32MarketFinance Limited498140358
33Praetura Commercial Finance490326164
34MarketInvoice Limited489104385
35Alex Lawrie Factors45382371
36Investec Capital Solutions439307132
37Calverton Finance42589336
38TFG Capital404179225
39Factor 21366201165
40NMB-Heller35010340
41Centric Commercial Finance33037293
42Euro Sales Finance32047273
43Positive Cashflow Finance316156160
44Ashley Commercial Finance31569246
45GMAC Commercial Finance31140271
46WeDo Finance30121091
47Burdale Financial28928261
48Peak Cashflow28822464
49Cattles Invoice Finance27164207
50Five Arrows Commercial Finance22314209
51Confidential Invoice Discounting22225197
52GC Factoring21413282
53Gener8 Finance20987122
54Shire Invoice Finance20313073
55Kellock20336167
56Pulse Finance19950149
57Liquid Link19612868
58Crédit Agricole Leasing & Factoring18514837
59Giant Finance17914435
60Heritage Commercial Finance1768492
61Satago16816152
62BZ Commercial Finance1678483
63TSB Commercial Finance16633133
64Novuna Business Finance15743114
65Eurofactor (UK)1558147
66Reward Finance Group1506783
67RDM Factors14333110
68Kriya Finance Limited1386078
69Regency Factors1365680
70Sallyport Commercial Finance13410925
71Easy Invoice Finance1296069
72BNP Paribas Commercial Finance1296960
73Partnership Invoice Finance1179918
74Working Capital Partners1172295
75Flex ABL1007822
76London Scottish Invoice Finance992574
77HH Cashflow Finance982969
78City Invoice Finance951085
79Redd Factors904941
80First National Invoice Finance84579
81UCB Invoice Discounting69465
82First Capital Factors621448
83AIB Commercial Finance602931
84Eastern Counties Finance581444
85ING Commercial Finance544113
86Hill Samuel Commercial Finance52547
87Metropolitan Factors491237
88KBC Commercial Finance483810
89Hilldun462719
90Dynamic Commercial Finance45837
91Reedham Factors441529
92Maddox Factoring421428
93Select Invoice Finance35728
94Ulster Factors291217
95County Factors28721
96GLE Invoice Finance25520
97Arbuthnot Factors241113
98Causeway Invoice Discounting22022
99Sygnet Invoice Finance12210
100Ester Finance Technologies12102
101International Factors918
102Single Invoice Finance808
103Royscot Factors312
104Anglo Factoring Services202

Source: Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk

Aggregate of public filings: a scan of 87,234 invoice-finance debentures across 104 lenders through 2026-10-22, not the complete register. Lender shares are indicative of the scanned sample.

View as plain-text Markdown 
### UK invoice finance lender league table, by total debentures on the live Companies House register of charges (scan through 2026-10-22)

| Rank | Lender | Total debentures | Outstanding | Ended (satisfied) |
| --- | --- | --- | --- | --- |
| 1 | Lloyds Bank Commercial Finance | 15423 | 6593 | 8830 |
| 2 | RBS / NatWest Invoice Finance | 13333 | 5760 | 7573 |
| 3 | Bibby Financial Services | 10332 | 4277 | 6055 |
| 4 | HSBC Invoice Finance | 9540 | 5329 | 4211 |
| 5 | Skipton Business Finance | 2100 | 1096 | 1004 |
| 6 | eCapital Commercial Finance | 1821 | 1603 | 218 |
| 7 | ABN AMRO Asset Based Finance | 1599 | 251 | 1348 |
| 8 | Close Brothers Invoice Finance | 1485 | 542 | 943 |
| 9 | SME Invoice Finance | 1404 | 566 | 838 |
| 10 | Nucleus Commercial Finance | 1227 | 875 | 352 |
| 11 | IGF (Independent Growth Finance) | 1136 | 669 | 467 |
| 12 | 4Syte | 1057 | 869 | 188 |
| 13 | Venture Finance | 1034 | 114 | 920 |
| 14 | Team Factors | 989 | 625 | 364 |
| 15 | Apollo Business Finance | 957 | 697 | 260 |
| 16 | Advantedge Commercial Finance | 922 | 595 | 327 |
| 17 | Cynergy Business Finance | 917 | 761 | 156 |
| 18 | Arbuthnot Commercial ABL | 895 | 679 | 216 |
| 19 | Quba Solutions | 826 | 570 | 256 |
| 20 | Time Finance | 809 | 697 | 112 |
| 21 | GE Commercial Finance | 719 | 30 | 689 |
| 22 | Wells Fargo Capital Finance | 711 | 411 | 300 |
| 23 | Zodeq | 684 | 486 | 198 |
| 24 | PNC Business Credit | 666 | 214 | 452 |
| 25 | Optimum SME Finance | 664 | 423 | 241 |
| 26 | Leumi ABL | 655 | 141 | 514 |
| 27 | Griffin Factors | 626 | 159 | 467 |
| 28 | Aldermore Invoice Finance | 622 | 195 | 427 |
| 29 | Alliance & Leicester Commercial Finance | 622 | 369 | 253 |
| 30 | Sonovate | 619 | 462 | 157 |
| 31 | Ultimate Finance | 566 | 172 | 394 |
| 32 | MarketFinance Limited | 498 | 140 | 358 |
| 33 | Praetura Commercial Finance | 490 | 326 | 164 |
| 34 | MarketInvoice Limited | 489 | 104 | 385 |
| 35 | Alex Lawrie Factors | 453 | 82 | 371 |
| 36 | Investec Capital Solutions | 439 | 307 | 132 |
| 37 | Calverton Finance | 425 | 89 | 336 |
| 38 | TFG Capital | 404 | 179 | 225 |
| 39 | Factor 21 | 366 | 201 | 165 |
| 40 | NMB-Heller | 350 | 10 | 340 |
| 41 | Centric Commercial Finance | 330 | 37 | 293 |
| 42 | Euro Sales Finance | 320 | 47 | 273 |
| 43 | Positive Cashflow Finance | 316 | 156 | 160 |
| 44 | Ashley Commercial Finance | 315 | 69 | 246 |
| 45 | GMAC Commercial Finance | 311 | 40 | 271 |
| 46 | WeDo Finance | 301 | 210 | 91 |
| 47 | Burdale Financial | 289 | 28 | 261 |
| 48 | Peak Cashflow | 288 | 224 | 64 |
| 49 | Cattles Invoice Finance | 271 | 64 | 207 |
| 50 | Five Arrows Commercial Finance | 223 | 14 | 209 |
| 51 | Confidential Invoice Discounting | 222 | 25 | 197 |
| 52 | GC Factoring | 214 | 132 | 82 |
| 53 | Gener8 Finance | 209 | 87 | 122 |
| 54 | Shire Invoice Finance | 203 | 130 | 73 |
| 55 | Kellock | 203 | 36 | 167 |
| 56 | Pulse Finance | 199 | 50 | 149 |
| 57 | Liquid Link | 196 | 128 | 68 |
| 58 | Crédit Agricole Leasing & Factoring | 185 | 148 | 37 |
| 59 | Giant Finance | 179 | 144 | 35 |
| 60 | Heritage Commercial Finance | 176 | 84 | 92 |
| 61 | Satago | 168 | 16 | 152 |
| 62 | BZ Commercial Finance | 167 | 84 | 83 |
| 63 | TSB Commercial Finance | 166 | 33 | 133 |
| 64 | Novuna Business Finance | 157 | 43 | 114 |
| 65 | Eurofactor (UK) | 155 | 8 | 147 |
| 66 | Reward Finance Group | 150 | 67 | 83 |
| 67 | RDM Factors | 143 | 33 | 110 |
| 68 | Kriya Finance Limited | 138 | 60 | 78 |
| 69 | Regency Factors | 136 | 56 | 80 |
| 70 | Sallyport Commercial Finance | 134 | 109 | 25 |
| 71 | Easy Invoice Finance | 129 | 60 | 69 |
| 72 | BNP Paribas Commercial Finance | 129 | 69 | 60 |
| 73 | Partnership Invoice Finance | 117 | 99 | 18 |
| 74 | Working Capital Partners | 117 | 22 | 95 |
| 75 | Flex ABL | 100 | 78 | 22 |
| 76 | London Scottish Invoice Finance | 99 | 25 | 74 |
| 77 | HH Cashflow Finance | 98 | 29 | 69 |
| 78 | City Invoice Finance | 95 | 10 | 85 |
| 79 | Redd Factors | 90 | 49 | 41 |
| 80 | First National Invoice Finance | 84 | 5 | 79 |
| 81 | UCB Invoice Discounting | 69 | 4 | 65 |
| 82 | First Capital Factors | 62 | 14 | 48 |
| 83 | AIB Commercial Finance | 60 | 29 | 31 |
| 84 | Eastern Counties Finance | 58 | 14 | 44 |
| 85 | ING Commercial Finance | 54 | 41 | 13 |
| 86 | Hill Samuel Commercial Finance | 52 | 5 | 47 |
| 87 | Metropolitan Factors | 49 | 12 | 37 |
| 88 | KBC Commercial Finance | 48 | 38 | 10 |
| 89 | Hilldun | 46 | 27 | 19 |
| 90 | Dynamic Commercial Finance | 45 | 8 | 37 |
| 91 | Reedham Factors | 44 | 15 | 29 |
| 92 | Maddox Factoring | 42 | 14 | 28 |
| 93 | Select Invoice Finance | 35 | 7 | 28 |
| 94 | Ulster Factors | 29 | 12 | 17 |
| 95 | County Factors | 28 | 7 | 21 |
| 96 | GLE Invoice Finance | 25 | 5 | 20 |
| 97 | Arbuthnot Factors | 24 | 11 | 13 |
| 98 | Causeway Invoice Discounting | 22 | 0 | 22 |
| 99 | Sygnet Invoice Finance | 12 | 2 | 10 |
| 100 | Ester Finance Technologies | 12 | 10 | 2 |
| 101 | International Factors | 9 | 1 | 8 |
| 102 | Single Invoice Finance | 8 | 0 | 8 |
| 103 | Royscot Factors | 3 | 1 | 2 |
| 104 | Anglo Factoring Services | 2 | 0 | 2 |

Source: Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk

Aggregate of public filings: a scan of 87,234 invoice-finance debentures across 104 lenders through 2026-10-22, not the complete register. Lender shares are indicative of the scanned sample.
Read this as a sample of the public register, not a market-share table
“This ranks lenders by debentures we counted on the live Companies House register of charges, which is a sample of public filings rather than the whole market. A debenture count is not the same as funded volume or market share: a bank writing a few very large facilities can fund far more than a specialist with many small ones. Treat the order as indicative of register activity in the scanned sample, and price any switch on your own quotes, not on league position.”
OM

Oliver Mackman

Director, Best Business Loans Ltd, Market Invoice

Comment dated 15 June 2026

Methodology and source

This is aggregate analysis of public filings. The primary source is Analysis of the live Companies House register of charges (debentures), find-and-update.company-information.service.gov.uk. Aggregate of public filings; a scan of UK invoice-finance debentures, not the complete register.

We counted the debentures held by each invoice finance lender on the live register and split them into outstanding (live) and satisfied (ended) charges, then ranked lenders by total. An outstanding charge is simply not recorded as satisfied; Companies House does not require a lender to file when a charge is satisfied, so this does not prove the facility is still running.

A satisfied charge points to a facility that has closed, which is why a high "ended" count can flag a book that has churned or re-shopped.

For scale, UK Finance's own current invoice finance and asset-based lending page gives no precise client count ("tens of thousands of UK client businesses", undated); third-party reporting citing UK Finance data puts the figure at approximately 40,000 UK businesses as of 2024-2025 (ukfinance.org.uk/our-expertise/commercial-finance/invoice-finance-and-asset-based-lending, checked 2026-10-22).

Superseded a stale December 2017 figure (~42,000, likely including Republic of Ireland membership) that was not dated on this page before. This page is a scan of 87,234 debentures across 104 lenders through 2026-10-22, so it is NOT the complete register and the lender shares are indicative of the scanned sample rather than a definitive market-share table.

The table ranks lenders only, from public Companies House data; it does not identify or profile any individual borrower.

Cite this dataset

To reference these figures, please cite the author and link to this page:

Parker, A. (2026). UK Invoice Finance Lender League Table [Data set]. Muswell Rose Consulting Ltd. https://marketinvoice.co.uk/data/uk-invoice-finance-lender-league-table/ (data as at 2026-10-22). Licensed CC BY 4.0.

Related: UK Invoice Finance Rate Index (provider terms and pricing), UK Invoice Finance Market Activity tracker, and UK Days to Pay by Sector. If you already have a debenture with one of the lenders above and want to compare what else is out there, the list of UK invoice finance companies and free quote tool are the place to start.

Author: Adam Parker (ORCID 0009-0008-0368-4408)

Publisher: Muswell Rose Consulting Ltd (company number 15269776). This page is hosted on MarketInvoice. The figures are aggregate counts from public sources with the method stated on the page.

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