What this page covers
This page covers
Invoice finance for Birmingham businesses, which lenders list a Birmingham office on their own websites, and lenders' published terms
Not covered here
Provider reviews (see /providers/), industry-specific guides (see /industries/), cost calculator (see /calculator/), broker vs direct (see /why-use-a-broker/)
Lenders with an office in Birmingham
HSBC UK has its head office at 1 Centenary Square, Birmingham, which opened on 3 December 2018 (HSBC archives); Companies House gives the same address as the registered office of HSBC UK Bank plc (Companies House, read 14 Oct 2026). On their own contact pages (read 14 Oct 2026), Bibby Financial Services lists a Birmingham office at Colmore Circus (Bibby contact page), Close Brothers Invoice Finance lists one on Colmore Row (Close Brothers contact page) and Skipton Business Finance lists one on Wharfside Street (Skipton contact page).
Lenders to compare
These lenders publish some of their terms on their own websites. It is a starting list, not a ranking.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| HSBC Invoice Finance | £1m | Up to 95% | business.hsbc.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Lloyds Bank Commercial Finance | £100k | Up to 90% | lloydsbank.com |
| NatWest Invoice Finance | £300k | Up to 90% | natwest.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Selling to a few big customers
If you supply a large manufacturer or car maker and most of your invoices go to that one buyer, a lender may cap how much it lends against it. Tell each lender who your main customers are at the start, and ask how it treats them.
What it costs
Lenders charge the same way in Birmingham as anywhere else in the UK: usually a service charge plus a discount charge on the money you draw, set as a margin over the Bank of England base rate. Most don't publish their fees, so you need a quote. Our invoice finance costs guide explains both charges, and the cost calculator gives a rough estimate.
Getting started
Apply online and send your documents: bank statements, an aged debtor report, sample invoices and your latest accounts. Where a lender publishes a setup time it is on its own website; many do not, so ask.
Sectors that often use invoice finance
- Manufacturing
- Engineering
- Automotive parts suppliers
- Distribution
- Construction subcontractors
- Recruitment and staffing agencies
- Professional services
You can apply to a lender direct or compare through us. Our broker vs direct comparison explains the difference.
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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