Data Index

UK Invoice Finance Lender League Table

Updated June 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 live debentures on the Companies House register of charges, are Lloyds Bank Commercial Finance (205 debentures, 107 live), RBS / NatWest Invoice Finance (202 debentures, 149 live), followed by Bibby Financial Services (146), HSBC Invoice Finance (124) and Team Factors (93). These rankings come from a scan of 1,260 invoice-finance debentures across 30 lenders, of which 882 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: 205 in total, 107 of them still live, just ahead of RBS / NatWest Invoice Finance on 202. 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. "Live" means the charge is still outstanding (an active facility or unreleased security); "ended" means it has been satisfied (the facility has closed). Ranked by total debentures held.

Total across the scan: 1,260 debentures from 30 lenders, 882 still live. 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 2026-06-15)

| Rank | Lender | Total debentures | Live (outstanding) | Ended (satisfied) |
| --- | --- | --- | --- | --- |
| 1 | Lloyds Bank Commercial Finance | 205 | 107 | 98 |
| 2 | RBS / NatWest Invoice Finance | 202 | 149 | 53 |
| 3 | Bibby Financial Services | 146 | 83 | 63 |
| 4 | HSBC Invoice Finance | 124 | 86 | 38 |
| 5 | Team Factors | 93 | 66 | 27 |
| 6 | Quba Solutions | 83 | 66 | 17 |
| 7 | Zodeq | 73 | 59 | 14 |
| 8 | Sonovate | 57 | 49 | 8 |
| 9 | Skipton Business Finance | 50 | 37 | 13 |
| 10 | eCapital Commercial Finance | 23 | 21 | 2 |
| 11 | 4Syte | 21 | 18 | 3 |
| 12 | Investec Capital Solutions | 19 | 16 | 3 |
| 13 | Ultimate Finance | 18 | 11 | 7 |
| 14 | Liquid Link | 18 | 16 | 2 |
| 15 | Giant Finance | 18 | 15 | 3 |
| 16 | Optimum SME Finance | 15 | 13 | 2 |
| 17 | Close Brothers Invoice Finance | 13 | 6 | 7 |
| 18 | Paragon Business Finance | 12 | 11 | 1 |
| 19 | Apollo Business Finance | 11 | 10 | 1 |
| 20 | WeDo Finance | 11 | 6 | 5 |
| 21 | Leumi ABL | 11 | 5 | 6 |
| 22 | Peak Cashflow | 10 | 8 | 2 |
| 23 | Cynergy Business Finance | 9 | 9 | 0 |
| 24 | Sallyport Commercial Finance | 4 | 4 | 0 |
| 25 | Praetura Commercial Finance | 4 | 3 | 1 |
| 26 | Partnership Invoice Finance | 3 | 3 | 0 |
| 27 | Novuna Business Finance | 3 | 2 | 1 |
| 28 | IGF (Independent Growth Finance) | 2 | 2 | 0 |
| 29 | Pulse Cashflow Finance | 1 | 0 | 1 |
| 30 | Shire Invoice Finance | 1 | 1 | 0 |

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 1,260 invoice-finance debentures across 30 lenders through 2026-06-15, not the complete register. Lender shares are indicative of the scanned sample.

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. A live charge points to an active facility or security a lender has not yet released; 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 reports the invoice finance and asset based lending industry supports around 42,000 businesses (Invoice Finance and Asset Based Lending quarterly statistics, ukfinance.org.uk). This page is a scan of 1,260 debentures across 30 lenders through 2026-06-15, 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.

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 provider directory and free quote tool are the place to start.