What this page covers
This page covers
Invoice finance for Bristol businesses, which lenders list a Bristol 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 Bristol
Ultimate Finance has its registered office at Equinox North, Bradley Stoke, Bristol (Companies House, read 14 Oct 2026), and its contact page lists its Bristol office at the same address. Bibby Financial Services lists a Bristol office at Temple Back East on its contact page (read 14 Oct 2026).
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 |
|---|---|---|---|
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.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 |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.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
Suppliers to big aerospace and engineering firms often wait a long time to be paid, and may sell mostly to one buyer. A lender may cap how much it lends against one customer, and some will not fund very long payment terms. Tell each lender who your main customers are and what terms they pay on, and ask how it treats them.
What it costs
Lenders charge the same way in Bristol 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
- Engineering
- Manufacturing
- Distribution
- Software and tech firms that bill other businesses
- Construction subcontractors
- 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.
Last updated: