What this page covers
This page covers
Invoice finance for Edinburgh businesses, which lenders list an Edinburgh office, what is different in Scotland, 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 Edinburgh
Ultimate Finance lists an Edinburgh office on George Street on its contact page (read 14 Oct 2026). We checked the contact pages of Bibby Financial Services, Close Brothers Invoice Finance and Skipton Business Finance the same day, and none of them lists an Edinburgh office. That does not stop them lending to Edinburgh businesses; ask each one whether it funds Scottish firms.
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 |
| Lloyds Bank Commercial Finance | £100k | Up to 90% | lloydsbank.com |
| NatWest Invoice Finance | £300k | Up to 90% | natwest.com |
| HSBC Invoice Finance | £1m | Up to 95% | business.hsbc.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Invoice finance in Scotland
Scotland has its own legal system, so some of the paperwork for invoice finance is different from England. Ask each lender at the start whether it funds Scottish businesses and how it deals with Scottish contracts.
Selling to a few big customers
If most of your invoices go to one or two large customers, such as a bank, an insurer or a public body, a lender may cap how much it lends against each of them. 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 Edinburgh 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
- Professional services
- Software and tech firms that bill other businesses
- Startups that already invoice business customers
- Construction subcontractors
- Recruitment and staffing agencies
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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