Invoice Finance for Transport & Haulage

A haulier pays for fuel, drivers and repairs every week, but freight customers pay their invoices later, on credit terms. Invoice finance lets you draw most of each delivery invoice once the load is delivered and invoiced, rather than waiting for the customer. The customer pays as normal and the lender keeps a fee. Market Invoice compares UK providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.

Why hauliers use it

Fuel and wages go out every week, while the money for each load comes in weeks later. The more work you take on, the more cash is tied up in unpaid invoices.

With invoice finance, the amount you can draw rises with your invoices, so taking on new work doesn't have to mean running out of cash.

What lenders look at

• Your customers. The lender relies on your customers paying, so larger, steady customers are easier to fund.
• Regular work. Ongoing contracts are easier to fund than one-off loads from a freight exchange.
• Proof of delivery. Lenders usually want a signed proof of delivery, paper or electronic, before they fund an invoice.
• Your size. Some lenders publish a minimum turnover and some don't. Small operators should start with the lenders in the table that publish a low minimum or say they have no minimum. "None published" only means the lender doesn't state one.

Lenders to compare

These lenders publish some of their terms. None of them says it specialises in transport, so this is a starting list, not a ranking.

Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.

The cost is usually a service charge plus a discount charge on the money you draw. Our guide to invoice finance costs explains both, so you can compare quotes.