Invoice Finance Quote - 3 Free UK Quotes in 24 Hours
Get up to three invoice finance quotes from UK providers within 24 hours. Compare rates, advance percentages, contract length and exit terms side by side. The service is free. There is no obligation and no cost if you decide not to proceed.
Quick Reference
Direct Answer
To get an invoice finance quote, submit your turnover, industry, and funding need through a multi-provider comparison service. Providers issue indicative terms within 24 hours. Quotes are free and non-binding, and only a soft credit search is run at this stage. Expect to compare at least three quotes before picking a provider.
Summary
A UK invoice finance quote is an indicative offer from a provider showing expected service charge, discount margin, advance rate, contract length, and any minimum monthly fee. Full underwritten offers follow a credit search and document pack submission. Multi-provider quotes are standard practice and give you pricing leverage. Most quotes arrive within 24 hours via email.
This Page Covers
How to request a quote, what information is required, timeline to indicative terms, how to compare offers, what to ask for in writing
Not Covered Here
Full application process (see /guides/how-to-apply/), cost calculator (see /calculator/), provider reviews (see /providers/)
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What a Good Invoice Finance Quote Looks Like
A usable quote is specific. Vague ranges ("from 0.5%") are a starting point, not an offer. Insist on the following in writing before you treat a quote as real:
- •Service charge expressed as a percentage of turnover funded, with the minimum monthly charge attached
- •Discount / interest margin quoted as Bank of England base rate plus a fixed margin (typically +2% to +5%)
- •Advance rate against the ledger, with any debtor-specific sub-limits called out
- •Arrangement fee and the indicative facility limit it is based on
- •Contract length, notice period, and the early termination fee schedule
- •Audit fees, CHAPS fees, and any other variable charges that will appear on invoices
How to Compare Three Quotes Like for Like
The trap is comparing headline service charge only. Calculate total annual cost by adding service charge, discount margin on your expected drawn balance, arrangement fee amortised over the contract, and any minimum monthly charges. Total annual cost divided by turnover gives a single comparable percentage across providers. A 0.5% headline service charge with high minimum charges often costs more than a 0.75% headline with no minimums.
For worked examples and scenario ranges, see the invoice finance cost calculator. For the full application process once you pick a provider, see how to apply for invoice finance.
Invoice Finance Quote FAQ
How do I get an invoice finance quote?
The fastest route is to complete a multi-provider comparison form. Enter your turnover, industry, and the type of facility you want. A comparison service matches you with providers who fit your profile and those providers issue indicative quotes, typically within 24 hours. Expect at least three quotes to have meaningful comparison leverage.
Is there a cost to get an invoice finance quote?
No. Quotes are free and non-binding. Providers do not charge for issuing indicative terms and there is no credit check penalty for shopping around. Only a full credit search is carried out once you accept terms and sign a facility agreement.
How long does an invoice finance quote take?
Indicative terms typically arrive within 24 hours of submitting your details. Full underwritten offers follow within 3 to 10 working days for independent providers and 2 to 4 weeks for banks. A quote is not an offer until it is in writing, priced, and signed.
What information do I need to provide for a quote?
Providers need your annual turnover, industry, the number and type of customers you invoice, your average invoice value and payment terms, and your reason for needing finance. For indicative quotes that is enough. For a full offer you will also submit bank statements, management accounts, aged debtor reports, sample invoices, and director ID.
Can I compare invoice finance quotes side by side?
Yes. The best comparison looks at five numbers: service charge as a percentage of turnover, discount (interest) margin above Bank of England base rate, advance rate, minimum monthly charge, and contract length with exit fee. Get these in writing from every provider so you are comparing like for like, not headline rate against total cost.
Do invoice finance quotes affect my credit rating?
Indicative quotes do not affect your credit rating. Providers run soft searches during the indicative stage and only carry out a full credit search at the point you accept terms. You can request quotes from three or more providers with no credit file impact.