Invoice finance in Cardiff works the same as anywhere in the UK. National providers like Close Brothers, Bibby, and Ultimate Finance all serve Cardiff businesses remotely. Costs are 0.5-3% of invoice value. More detail + scope
Summary
Cardiff has 28,000+ businesses. Invoice finance is available from national providers serving the Wales region. Key sectors in Cardiff include construction, recruitment, manufacturing, and professional services. All major providers (Close Brothers, Bibby, Aldermore, Ultimate Finance) serve Cardiff with no location-based pricing difference.
This page covers
Invoice finance availability in Cardiff, providers serving the Wales area, local business statistics, industry breakdown
Not covered here
Provider reviews (see /providers/), industry-specific guides (see /industries/), cost calculator (see /calculator/)
Providers Serving Cardiff
Invoice finance is a national market - all major UK providers serve Cardiff and the wider Wales region. Applications, document submission, and ongoing management are handled online and by phone. You don't need a provider with a physical office in Cardiff.
| Provider | Fee From | Min Turnover | Setup |
|---|---|---|---|
| Close Brothers | 0.5% | £50k | 5 days |
| Bibby Financial Services | 0.75% | £50k | 5 days |
| Ultimate Finance | 0.8% | £50k | 3 days |
| Aldermore | 0.7% | £250k | 7 days |
| Skipton | 0.5% | £100k | 7 days |
Cardiff Business Landscape
With approximately 28,000 registered businesses, Cardiff is a significant commercial centre in Wales. The most common industries using invoice finance in Cardiff include:
- Construction - subcontractors and trades working on Cardiff developments
- Recruitment - staffing agencies placing contractors in Cardiff businesses
- Manufacturing - producers supplying to Wales retailers and distributors
- Professional services - consultancies, agencies, and firms in Cardiff
- Transport - haulage and logistics serving Cardiff and Wales
Getting Started in Cardiff
The process is the same regardless of location. Apply online, submit your documents (bank statements, aged debtor report, sample invoices), and a provider can have your facility live within 3-10 working days. Once live, submit an invoice in the morning and have cash in your bank by end of day.
Use our cost calculator to estimate what invoice finance would cost for your Cardiff business, or get 3 free quotes from providers serving your area. You can also see how providers cover the wider UK regions, including the Wales area.
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 reviewed: 6 April 2026