What this page covers
This page covers
Invoice finance for Sheffield businesses, which lenders list a Sheffield 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/)
Is there a lender with a Sheffield office?
We checked the contact pages of Bibby Financial Services, Close Brothers Invoice Finance, Ultimate Finance and Skipton Business Finance on 14 Oct 2026, and none of them lists a Sheffield office. That does not stop them lending to Sheffield businesses: lenders deal with firms across South Yorkshire online and by phone.
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 |
|---|---|---|---|
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.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
If most of your invoices go to one big manufacturer or engineering firm, a lender may cap how much it lends against it. If you bill at milestones on long jobs, ask each lender how it treats milestone invoices before you apply.
What it costs
Lenders charge the same way in Sheffield 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
- Construction subcontractors
- Distribution
- 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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