What this page covers
This page covers
Invoice finance for London businesses, which lenders list a London 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 London
Close Invoice Finance Limited, which trades as Close Brothers Invoice Finance, has its registered office at 10 Crown Place, London (Companies House, read 14 Oct 2026), and its contact page lists a London office there. Bibby Financial Services lists a London office on London Wall (Bibby contact page), and Ultimate Finance lists one on Tudor Street (Ultimate Finance contact page), both 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 |
|---|---|---|---|
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Lloyds Bank Commercial Finance | £100k | Up to 90% | lloydsbank.com |
| HSBC Invoice Finance | £1m | Up to 95% | business.hsbc.uk |
| Barclays Invoice Finance | None published | Up to 90% | barclays.co.uk |
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 most of your invoices go to one or two large customers, 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 London 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
- Recruitment and staffing agencies
- Professional services
- Software and tech firms that bill other businesses
- Construction subcontractors
- Distribution
- Import and export businesses
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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