UK Invoice Finance Market Activity
Each month we count the new invoice finance debentures registered at Companies House and break them down by lender. It is a live read on which UK invoice finance providers are writing the most new facilities, built first-party from the Companies House charges stream under the Open Government Licence. New debenture registrations are a recognised proxy for new facility volume, the same basis the industry uses to size lender activity. For the front-loaded study version with the headline finding and a citable chart, see the UK Invoice Finance Lender Index 2026.
This month, from Market Invoice
September 2026 so far, month in progress, updating daily
So far in September 2026, 57 new invoice finance debentures have been registered across the 15 active UK lenders we track , down 94 on the previous month and up 46 year on year. The most active lender was Lloyds Bank Commercial Finance with 13 new registrations.
Figures are new charge registrations classified by the chargee (the lender). Read the methodology below for what this does and does not capture.
Leading UK invoice finance lenders
Ranked by Market Invoice's editorial assessment of rate, advance rate, setup speed and contract flexibility, our standing view of the strongest providers in the market. This is a qualitative ranking, not the monthly debenture activity below.
| Rank | Lender | Type | Rating |
|---|---|---|---|
| 1 | Sonovate | Recruitment specialist | 4.6 |
| 2 | Close Brothers Invoice Finance | Independent | 4.5 |
| 3 | Kriya (Allica Bank) | Fintech | 4.5 |
| 4 | Bibby Financial Services | Independent | 4.4 |
| 5 | Ultimate Finance | Independent | 4.3 |
| 6 | iwoca | Fintech | 4.3 |
| 7 | Aldermore Invoice Finance | Independent | 4.2 |
| 8 | Skipton Business Finance | Independent | 4.2 |
| 9 | Novuna Business Finance | Independent | 4.2 |
| 10 | Funding Circle | Fintech | 4.2 |
| 11 | Allianz Trade | Independent | 4.2 |
| 12 | Hydr | Fintech | 4.2 |
| 13 | IGF (Independent Growth Finance) | Independent | 4.1 |
| 14 | Time Finance | Independent | 4.1 |
| 15 | Lloyds Bank Commercial Finance | Bank / bank-backed | 4.0 |
Methodology behind the scores: UK Invoice Finance Rate Index. For activity (who is writing the most new facilities), see the monthly tracker below.
New debentures by lender, September 2026 (so far)
| Rank | Lender | Category | New debentures |
|---|---|---|---|
| 1 | Lloyds Bank Commercial Finance | bank | 13 |
| 2 | RBS / NatWest Invoice Finance | bank | 8 |
| 3 | eCapital Commercial Finance | large_indep | 7 |
| 4 | Bibby Financial Services | large_indep | 6 |
| 5 | HSBC Invoice Finance | bank | 5 |
| 6 | Apollo Business Finance | mid_indep | 3 |
| 7 | Peak Cashflow | mid_indep | 3 |
| 8 | Sallyport Commercial Finance | mid_indep | 3 |
| 9 | Quba Solutions | specialist | 2 |
| 10 | Zodeq | specialist | 2 |
| 11 | 4Syte | mid_indep | 1 |
| 12 | Arbuthnot Latham & Co | specialist | 1 |
| 13 | Shire Invoice Finance | mid_indep | 1 |
| 14 | Team Factors | mid_indep | 1 |
| 15 | Ultimate Finance | large_indep | 1 |
Edition data: 2026-09.json (machine-readable, CC BY 4.0).
| Rank | Lender | Category | New debentures |
|---|---|---|---|
| 1 | Lloyds Bank Commercial Finance | bank | 13 |
| 2 | RBS / NatWest Invoice Finance | bank | 8 |
| 3 | eCapital Commercial Finance | large_indep | 7 |
| 4 | Bibby Financial Services | large_indep | 6 |
| 5 | HSBC Invoice Finance | bank | 5 |
| 6 | Apollo Business Finance | mid_indep | 3 |
| 7 | Peak Cashflow | mid_indep | 3 |
| 8 | Sallyport Commercial Finance | mid_indep | 3 |
| 9 | Quba Solutions | specialist | 2 |
| 10 | Zodeq | specialist | 2 |
| 11 | 4Syte | mid_indep | 1 |
| 12 | Arbuthnot Latham & Co | specialist | 1 |
| 13 | Shire Invoice Finance | mid_indep | 1 |
| 14 | Team Factors | mid_indep | 1 |
| 15 | Ultimate Finance | large_indep | 1 |
Source: Market Invoice, from the Companies House charges stream (Open Government Licence v3.0), aggregation CC BY 4.0
View as plain-text Markdown
### New UK invoice finance debentures by lender, September 2026 (so far) | Rank | Lender | Category | New debentures | | --- | --- | --- | --- | | 1 | Lloyds Bank Commercial Finance | bank | 13 | | 2 | RBS / NatWest Invoice Finance | bank | 8 | | 3 | eCapital Commercial Finance | large_indep | 7 | | 4 | Bibby Financial Services | large_indep | 6 | | 5 | HSBC Invoice Finance | bank | 5 | | 6 | Apollo Business Finance | mid_indep | 3 | | 7 | Peak Cashflow | mid_indep | 3 | | 8 | Sallyport Commercial Finance | mid_indep | 3 | | 9 | Quba Solutions | specialist | 2 | | 10 | Zodeq | specialist | 2 | | 11 | 4Syte | mid_indep | 1 | | 12 | Arbuthnot Latham & Co | specialist | 1 | | 13 | Shire Invoice Finance | mid_indep | 1 | | 14 | Team Factors | mid_indep | 1 | | 15 | Ultimate Finance | large_indep | 1 | Source: Market Invoice, from the Companies House charges stream (Open Government Licence v3.0), aggregation CC BY 4.0
Archive
- September 2026: 57 new debentures
- August 2026: 151 new debentures
- July 2026: 46 new debentures
- June 2026: 103 new debentures
- May 2026: 20 new debentures
- April 2026: 10 new debentures
- March 2026: 1 new debentures
- February 2026: 2 new debentures
- January 2026: 2 new debentures
- November 2025: 7 new debentures
- October 2025: 6 new debentures
- September 2025: 11 new debentures
- August 2025: 4 new debentures
- July 2025: 5 new debentures
- June 2025: 3 new debentures
- May 2025: 3 new debentures
- April 2025: 5 new debentures
- March 2025: 4 new debentures
- February 2025: 2 new debentures
- January 2025: 2 new debentures
- December 2024: 5 new debentures
- November 2024: 4 new debentures
- October 2024: 1 new debentures
- September 2024: 6 new debentures
- August 2024: 4 new debentures
- July 2024: 4 new debentures
- June 2024: 1 new debentures
- May 2024: 2 new debentures
- April 2024: 2 new debentures
- March 2024: 2 new debentures
- January 2024: 5 new debentures
- December 2023: 3 new debentures
- November 2023: 2 new debentures
- October 2023: 2 new debentures
- September 2023: 4 new debentures
- August 2023: 4 new debentures
- July 2023: 3 new debentures
- June 2023: 2 new debentures
- April 2023: 2 new debentures
- March 2023: 1 new debentures
- December 2022: 5 new debentures
- October 2022: 1 new debentures
- September 2022: 4 new debentures
- August 2022: 18 new debentures
- April 2022: 3 new debentures
- March 2022: 2 new debentures
- February 2022: 2 new debentures
- September 2021: 6 new debentures
- August 2021: 1 new debentures
- June 2021: 3 new debentures
- May 2021: 1 new debentures
- April 2021: 1 new debentures
- March 2021: 1 new debentures
- December 2020: 5 new debentures
- July 2020: 1 new debentures
- June 2020: 1 new debentures
- May 2020: 2 new debentures
- February 2020: 4 new debentures
- January 2020: 3 new debentures
- October 2019: 1 new debentures
- April 2019: 3 new debentures
- February 2019: 3 new debentures
- January 2019: 1 new debentures
- December 2018: 2 new debentures
- May 2018: 1 new debentures
- April 2018: 1 new debentures
- November 2017: 1 new debentures
- October 2017: 1 new debentures
- August 2017: 1 new debentures
- July 2017: 2 new debentures
- April 2017: 1 new debentures
- March 2017: 1 new debentures
- February 2017: 1 new debentures
- November 2016: 1 new debentures
- October 2016: 6 new debentures
- July 2016: 1 new debentures
- September 2015: 1 new debentures
- August 2015: 2 new debentures
- July 2015: 1 new debentures
- March 2015: 2 new debentures
- September 2014: 1 new debentures
- March 2014: 1 new debentures
- January 2014: 1 new debentures
- October 2013: 1 new debentures
- August 2013: 5 new debentures
- January 2013: 1 new debentures
- August 2012: 3 new debentures
- January 2012: 1 new debentures
- November 2011: 1 new debentures
- September 2011: 1 new debentures
- August 2011: 1 new debentures
- April 2011: 1 new debentures
- February 2011: 1 new debentures
- November 2010: 1 new debentures
- February 2010: 1 new debentures
- November 2009: 1 new debentures
- May 2009: 1 new debentures
- March 2009: 1 new debentures
- January 2009: 3 new debentures
- August 2008: 1 new debentures
- October 2007: 1 new debentures
- May 2007: 2 new debentures
- December 2006: 1 new debentures
- July 2006: 1 new debentures
- April 2006: 1 new debentures
- February 2004: 1 new debentures
- November 2002: 3 new debentures
- April 2002: 2 new debentures
- January 2001: 1 new debentures
Methodology
Every charge (debenture) registered at Companies House is published in real time on the Companies House charges streaming API. We consume that stream continuously and keep only the charges whose registered chargee (the persons entitled field) matches our curated list of UK invoice finance lenders. Each kept charge is recorded once, by its registration (filing) date at Companies House, and aggregated into a monthly total per lender.
We count new debenture registrations, which is a proxy for new facility wins, not confirmed deal value or drawn funds. A lender that signs many small facilities will rank above one that signs a few large ones. Lender classification is by name matching against the published list below; where a parent bank files charges for unrelated lending (mortgages, asset finance) those are excluded because they do not carry an invoice finance entity name. We do not estimate or fill gaps: if the stream did not capture a charge, it is not counted.
Source data is Crown copyright, published by Companies House under the Open Government Licence v3.0. Our monthly aggregation is published under a Creative Commons Attribution 4.0 licence: reuse the figures with attribution to Market Invoice (marketinvoice.co.uk). The dataset is maintained by the Market Invoice editorial team and overseen by Oliver Mackman, director of Best Business Loans Ltd.
Lender coverage (38 lenders tracked)
These are the invoice finance lenders we classify from the charges stream. Published for transparency so the method is auditable.
| Lender | Category |
|---|---|
| Arbuthnot Latham & Co | specialist |
| Bibby Financial Services | large_indep |
| Lloyds Bank Commercial Finance | bank |
| eCapital Commercial Finance | large_indep |
| Apollo Business Finance | mid_indep |
| RBS / NatWest Invoice Finance | bank |
| HSBC Invoice Finance | bank |
| Team Factors | mid_indep |
| Time Finance | large_indep |
| Novuna Business Finance | large_indep |
| Close Brothers Invoice Finance | large_indep |
| Skipton Business Finance | large_indep |
| Quba Solutions | specialist |
| Shire Invoice Finance | mid_indep |
| Ultimate Finance | large_indep |
| Zodeq | specialist |
| 4Syte | mid_indep |
| WeDo Finance | mid_indep |
| Cynergy Business Finance | large_indep |
| Castlebridge Finance | mid_indep |
| IGF (Independent Growth Finance) | large_indep |
| Investec Capital Solutions | bank |
| Secure Trust Bank Commercial Finance | large_indep |
| Paragon Business Finance | mid_indep |
| Sallyport Commercial Finance | mid_indep |
| Peak Cashflow | mid_indep |
| Sonovate | specialist |
| Praetura Commercial Finance | large_indep |
| Metro Bank Invoice Finance | bank |
| Leumi ABL | large_indep |
| Liquid Link | specialist |
| Giant Finance | specialist |
| Optimum SME Finance | mid_indep |
| Partnership Invoice Finance | mid_indep |
| Grenke | mid_indep |
| Pulse Cashflow Finance | large_indep |
| Simplicity Finance | mid_indep |
| FI Capital | mid_indep |
See also the UK Invoice Finance Rate Index (provider terms and pricing) and the full provider directory.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 7 September 2026
Cite this dataset
To reference these figures, please credit MarketInvoice and link to this page:
Source: MarketInvoice, UK Invoice Finance Market Activity, https://marketinvoice.co.uk/data/uk-invoice-finance-market-activity/ (accessed 2026-09-10).