Data
UK Invoice Finance Service Charges by Provider Type
None of the 5 high street banks we track publishes a service charge; each prices facilities individually. In all, 0 of the 18 direct UK invoice finance lenders we track publish a numeric service charge. This page groups them by provider type and reports only what is published, with the sample size for each group; it does not estimate a figure for providers that do not publish one, and with samples this small it is not a market benchmark.
Compiled by Market Invoice · Full rate index · Days to pay by sector
Service charge by provider type
Source for every range below: each provider's published service charge as recorded, with its source link, in the UK Invoice Finance Rate Index.
| Provider type | Published range (providers publishing) | Published numeric figure | Bespoke / unpublished |
|---|---|---|---|
| Independent | None published | 0 of 11 | 11 (Bibby Financial Services, Close Brothers Invoice Finance, Ultimate Finance, Aldermore Invoice Finance, Skipton Business Finance, IGF (Independent Growth Finance), Novuna Business Finance, Time Finance, eCapital, White Oak (UK), Apollo Business Finance) |
| High street bank | None published | 0 of 5 | 5 (Lloyds Bank Commercial Finance, HSBC Invoice Finance, Barclays Invoice Finance, NatWest Invoice Finance, Santander Invoice Finance) |
| Recruitment specialist | None published | 0 of 1 | 1 (Sonovate) |
| Fintech | None published | 0 of 1 | 1 (Hydr) |
None of the 18 direct lenders we track publishes a service charge range, so no group has a published figure.
| Provider type | Providers (numeric / total) | Low | High | Excluded (bespoke/unpublished) |
|---|---|---|---|---|
| Independent | 0 / 11 | n/a | n/a | 11 |
| High street bank | 0 / 5 | n/a | n/a | 5 |
| Recruitment specialist | 0 / 1 | n/a | n/a | 1 |
| Fintech | 0 / 1 | n/a | n/a | 1 |
Source: Market Invoice, computed from published provider criteria (CC BY 4.0)
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### UK invoice finance published service charges by provider type, 0 of 18 direct lenders publish one | Provider type | Providers (numeric / total) | Low | High | Excluded (bespoke/unpublished) | | --- | --- | --- | --- | --- | | Independent | 0 / 11 | n/a | n/a | 11 | | High street bank | 0 / 5 | n/a | n/a | 5 | | Recruitment specialist | 0 / 1 | n/a | n/a | 1 | | Fintech | 0 / 1 | n/a | n/a | 1 | Source: Market Invoice, computed from published provider criteria (CC BY 4.0)
Methodology
This page groups the same 18 direct invoice finance lenders ranked in the UK Invoice Finance Rate Index by provider type, and computes the low and high of each group's published service charge range. A provider is only included in the numeric low/high figures if its published rate is a clear percentage or percentage range (for example "0.5% to 2.5% service charge"). Providers that quote bespoke, negotiated, or unpublished pricing, or price on a different basis entirely (a flat fee per invoice, a monthly rate on drawn balance, a term-loan APR), are counted and named as excluded rather than assigned an estimated figure.
This is narrower than a discount-margin-over-base-rate spread would be. Our provider dataset records the service charge (the fee element of invoice finance pricing) but does not currently record the separate discount margin charged over the Bank of England base rate on funds drawn, so that specific spread cannot be computed from data we hold without adding a new field and re-verifying it against each provider's own documentation.
This dataset is published under a Creative Commons Attribution 4.0 licence. You may reuse the figures with attribution to Market Invoice (marketinvoice.co.uk).
“A published range is not the same as what any individual business will actually pay. Advance rate, debtor quality, sector and contract term all move the final price within (and sometimes beyond) the quoted band, and 18 of the 18 providers we track do not publish a figure at all.”
Cite this dataset
To reference these figures, please credit MarketInvoice and link to this page:
Source: MarketInvoice, UK Invoice Finance Service Charges by Provider Type, https://marketinvoice.co.uk/data/uk-invoice-finance-service-charge-benchmark/ (accessed 2026-11-09).
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam was managing director of Penny, a UK invoice finance business, from July 2020 to November 2023. His career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library. Career record.
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