Multi-Currency Invoice Finance UK 2026 (USD, EUR)

UK businesses invoicing customers in US dollars, euro or other foreign currencies can borrow against those invoices with multi-currency invoice finance. HSBC, for example, says its invoice discounting can be taken in sterling, euro, US dollars or most other major currencies and used for export sales (source); Bibby offers a foreign exchange service alongside its export finance. Providers do not publish multi-currency pricing, so compare quotes, and ask how currency is handled: whether you are funded in the invoice currency or in sterling, and what a currency contract would cost.

What this page covers

This page covers

multi-currency invoice finance UK: which providers offer it, how currency risk works, cost, and UK Export Finance

Not covered here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

AP

Adam Parker

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.

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Multi-Currency Invoice Finance UK FAQ

Can I get UK invoice finance on foreign currency invoices?

Yes, from some providers. HSBC, for example, says its invoice discounting can be taken in sterling, euro, US dollars or most other major currencies and used for export as well as UK sales; Bibby offers a foreign exchange service alongside its export finance. How much is advanced and in which currencies varies, so ask each provider.

Which UK providers offer multi-currency invoice finance?

Two we have checked on their own sites: HSBC (invoice discounting in sterling, euro, US dollars or most other major currencies, from £1m turnover, advances up to 95%) and Bibby Financial Services (export finance with a separate foreign exchange service, advances up to 85%). Figures are each provider's published ones, listed on its profile page with the source. Get quotes from at least two.

How does FX risk work with multi-currency invoice finance?

It depends on how the facility is set up. If the provider funds you in the invoice currency, the exchange rate only matters when you convert what is left to sterling. If it converts the advance to sterling, the rate can move between the invoice date and payment, and that movement affects the balance you receive. Some providers offer a currency contract to fix the rate on specific invoices; it is usually priced separately, so ask what it costs.

Does it cost more than sterling-only invoice finance?

Usually, because of currency handling and overseas credit checking, but UK providers do not publish multi-currency pricing. The way to find out is to ask for a quote on the same invoices with and without the foreign-currency customers, and to ask separately what any currency contract costs.

Can UK Export Finance help?

Possibly, for larger exporters. UK Export Finance's General Export Facility gives participating banks a partial guarantee on trade finance facilities for UK exporters, for facilities up to around £25 million (gov.uk/guidance/general-export-facility). It works through your bank rather than an invoice finance provider directly, so ask your bank whether it takes part.

Which currencies are supported?

It varies by provider. HSBC names sterling, euro and US dollars and says most other major currencies; less common currencies may not be available or may cost more to hedge. Check the specific currencies you invoice in before you apply.