4Syte Invoice Finance Review
4Syte Funding offers factoring facilities from £50,000 to £3,000,000, and also offers invoice discounting. It says its credit decisions are based on the strength of your customers. It does not publish its fees, its advance rate or a minimum turnover, so you can only compare it on a written quote.
What this page covers
This page covers
What 4Syte publishes about its invoice finance, what it does not publish, and lenders to compare it with
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
What 4Syte offers
Its main product is full-service factoring. 4Syte lends against your invoices and its credit controllers chase your customers for payment. It also offers a credit management service that sets credit limits for your customers and can protect you if a customer becomes insolvent.
If you already collect your debts well, it offers invoice discounting where you run your own credit control. It calls this CHOCS (client handles own collections), and says there is a confidential version, where your customers are not told.
Outside invoice finance, the group offers construction finance for contractors, asset based lending and loans secured on property. In February 2021 it announced an agreement with Barclays to take on assets from the bank's factoring book.
Sources: 4Syte's funding page and home page, read 14 Oct 2026. 4Syte offers an indicative criteria sheet on its site in return for your contact details; we have not seen it.
Who it suits
4Syte suits a business that wants a facility somewhere between £50,000 and £3 million and is happy for a lender to run its credit control. If you need less than £50,000, or more than £3 million, look at lenders that work at that size.
How it compares
These lenders publish their advance rate on their own websites, which 4Syte does not.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Time Finance | None published | Up to 90% | timefinance.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Questions to ask before you sign
- What share of each invoice will you pay up front?
- What is the service charge, the discount charge, and are there set-up or exit fees?
- How long is the minimum term, and what does it cost to leave early?
- Is protection against bad debts included, or extra?
- Will you need personal guarantees from the directors?
Official site: 4Syte
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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