Accelerated Payments Review

Accelerated Payments is a Dublin-headquartered fintech offering selective and whole-turnover invoice finance to UK and international SMEs. Founded 2017, the company has financed over €1.5 billion across more than 120,000 invoices in 45 countries. Two standout features in the UK market: no personal guarantee requirement on the majority of files, and genuine selective invoice finance (no minimum volume, no monthly fees). Best fit for UK exporters and internationally trading SMEs that want flexibility without committing personal director security.

Accelerated Payments is a Dublin-headquartered fintech offering selective and whole-turnover invoice finance with no personal guarantee on most files. Founded in 2017, it has financed over EUR 1.5 billion across more than 120,000 invoices in 45 countries.

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Summary

Accelerated Payments is a Dublin-based fintech offering selective and whole-turnover invoice finance to UK and international SMEs. Founded in 2017, it has financed over EUR 1.5 billion across 120,000-plus invoices in 45 countries. Standout features are no personal guarantee on most files and genuine selective finance with no minimum volume or monthly fees. Best for UK exporters.

This page covers

Accelerated Payments selective and whole-turnover invoice finance, no-PG policy, volume financed, country coverage and best-fit business profile

Not covered here

General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)

Key Facts

Total financed€1.5bn+
Invoices funded120,000+
Countries45
Personal guaranteeNot required
Established2017

The No-PG Underwriting Model

Accelerated Payments underwrites on the quality of each funded invoice and the creditworthiness of each named debtor, rather than on personal director security. This is unusual in UK invoice finance: most independents ask for personal guarantees from directors with 25%+ shareholding, and even bank-backed providers (Aldermore, Allica, Close Brothers) require PGs for most facility sizes.

The trade-off is tighter debtor-level due diligence. Each customer added to the facility goes through credit checks; concentration limits are enforced more firmly than in traditional whole-turnover facilities; and individual invoice underwriting can reject invoices that a whole-ledger lender would accept on average. The model fits businesses with concentrated, blue-chip B2B customer bases more than long-tail mixed-credit ledgers.

Pros and Cons

Strengths

  • No personal guarantee on the majority of files
  • Genuine selective invoice finance: no minimum volume, no monthly fees
  • International coverage across 45 countries
  • Modern fintech platform, fast onboarding
  • Strong track record (€1.5bn+ financed since 2017)
  • Best-in-class for UK exporters with EU / US / Asia customers

Limitations

  • Pricing can be 0.5% to 1.5% higher than traditional whole-turnover
  • Tighter debtor concentration limits than whole-ledger facilities
  • Individual invoice underwriting means some invoices can be declined
  • Dublin HQ may feel distant for UK-only files needing UK relationship management
  • Less sector-specific expertise than UK domestic specialists (construction, recruitment)

Best For / Less Suitable For

Best for

  • UK exporters with EU, US, or major Asian customer bases
  • UK SMEs with concentrated blue-chip B2B customers
  • Directors who want to avoid personal guarantees on commercial debt
  • Businesses needing selective per-invoice funding rather than full-ledger commitment
  • IT services, recruitment, manufacturing with international customer concentration

Less suitable for

  • UK-only businesses with long-tail mixed-credit debtor ledgers (use whole-turnover)
  • Construction stage-billing files (use UK construction specialists)
  • Recruitment payroll-cycle facilities (use Sonovate)
  • Businesses on tight margins where the 0.5 to 1.5% pricing premium matters
  • Files needing UK regional relationship management

Pricing Reality

Accelerated Payments prices at the higher end of the UK selective invoice finance market. The no-PG flexibility and cross-border coverage carry a premium of roughly 0.5% to 1.5% over equivalent whole-turnover facilities. Bank of England base rate is 3.75% (March 2026).

Use the cost calculator to model your specific Accelerated Payments facility.

How Accelerated Payments Compares

Vs.Accelerated Payments wins onOther wins on
Stenn (Investec-owned)No-PG flexibility, broader country coverage, selective product depthInstant API decisions, Investec banking backing, emerging-market specialism
HydrInternational coverage, no-PG model, larger ticket size capabilityUK-focus, faster small-ticket decisions, lower entry threshold
Bibby Financial ServicesNo-PG flexibility, cross-border coverage, true selective productUK brand recognition, sector specialism, regional relationship managers, scale

Application Path

Submit standard KYC (Companies House data, director ID, last 6 months bank statements), recent aged debtor report, sample invoices to top 5 customers, and last filed accounts. Customer-level credit checks run during onboarding. Facility live in 5 to 10 working days. Once live, individual invoices are submitted via the digital platform and approved within 24 to 48 hours.

Our Verdict

Accelerated Payments is one of the strongest options in the UK selective invoice finance market, especially for exporters and internationally trading SMEs. The no-personal-guarantee underwriting model is a genuine differentiator: most UK independents and even bank-backed providers require PGs as standard. The fintech platform delivers fast onboarding and 24-48 hour invoice approvals. Premium pricing and tighter debtor concentration limits are the trade-offs. For UK businesses with concentrated blue-chip international customers, Accelerated Payments often beats traditional whole-turnover providers on flexibility and is competitive on net cost despite the higher headline rate.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 11 May 2026

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Accelerated Payments FAQ

Does Accelerated Payments really not require a personal guarantee?

Yes, for the majority of standard files. Accelerated Payments underwrites on the quality of the invoice and debtor rather than on personal director security. This is unusual in UK invoice finance: most independents and even bank-backed providers ask for personal guarantees from directors with 25%+ shareholding. The trade-off is tighter debtor credit checks and stricter invoice-level due diligence.

Can I finance individual invoices with Accelerated Payments?

Yes. Selective invoice finance is their core product: you choose which invoices to fund rather than committing your full sales ledger. No minimum invoice volume, no monthly minimum fees. Pay per invoice funded only. This is genuinely flexible compared to whole-turnover providers who require a minimum service charge regardless of facility usage.

What countries does Accelerated Payments work with?

45 countries across Europe, North America, Asia-Pacific, and selected emerging markets. UK SMEs invoicing customers in the US, EU, Switzerland, Canada, Australia, or major Asian markets can typically be funded under a single facility. The cross-border experience is meaningful for UK exporters; few UK domestic providers handle this breadth.

What sectors does Accelerated Payments serve?

Sector-agnostic across B2B trade. Strongest fit for export-led businesses, recruitment agencies with international placements, IT services with overseas clients, manufacturing with EU customer concentration, and professional services billing across borders. Construction-specific routing (stage payments, retention) is generally better served by UK construction specialists.

How quickly can Accelerated Payments fund an invoice?

24 to 48 hours once the facility is live. Initial facility setup is 5 to 10 working days depending on KYC depth and the customer base profile. The digital platform speeds onboarding compared to traditional bank-backed providers.

How does Accelerated Payments compare to Stenn or Tradeshift on cross-border invoice finance?

All three play in cross-border / export invoice finance for UK SMEs. Accelerated Payments leads on no-PG underwriting and selective flexibility. Stenn (now part of Investec) leads on instant API-driven decisions for established trading patterns and emerging-market customers. Tradeshift bundles invoice finance into a broader supply-chain platform. For a UK SME with EU customers and clean trading, get all three on a quote panel.

Is Accelerated Payments regulated in the UK?

Accelerated Payments operates UK-facing services through its Irish parent (Dublin HQ) and UK operations. UK B2B invoice finance for limited companies is not a regulated FCA activity in itself; the cross-border element does not change this for the UK side. EU regulatory oversight applies to the Irish parent through the Central Bank of Ireland.