Investly Review

Investly is a UK fintech selective invoice finance platform with an auction-based pricing model: small ticket B2B invoices uploaded by businesses are bid on by an investor pool, with the seller getting the best rate. From £1,000 invoice size, no minimum volume, no monthly commitment. Suits UK SMBs with occasional small-ticket invoice funding needs.

Investly is a UK fintech selective invoice finance platform using an auction model, funding invoices from £1,000 with no minimum monthly volume and typical fees of 0.5% to 3.0%. More detail + scope

Summary

Investly is a UK fintech selective invoice finance platform with an auction-based pricing model: small-ticket B2B invoices are bid on by an investor pool so the seller gets the best rate. Invoices start from £1,000 with no minimum monthly volume or commitment, and typical fees run 0.5% to 3.0%. It suits UK SMBs with occasional small-ticket funding needs.

This page covers

Investly auction-based selective invoice finance, minimum invoice size, fee range and no-commitment model

Not covered here

Whole-ledger factoring and discounting (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)

Key Facts

ModelAuction-based selective
Min invoice size£1,000
Min monthly volumeNone
Typical fee0.5% to 3.0%
TypeUK Fintech

When Investly Wins

When to Look Elsewhere

AP

Adam Parker

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.

Last reviewed: 12 June 2026

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Investly FAQ

What is Investly?

Investly is a UK fintech selective invoice finance platform that uses an auction-based model: businesses upload individual invoices, investors bid on them, and the seller gets the best rate. The platform handles small ticket invoices (from £1,000 upward) without the minimum-volume or commitment requirements typical of traditional UK invoice finance providers.

How does the auction model work?

When a business uploads an invoice, Investly's investor pool bids on the funding rate. The seller receives the best offer (lowest fee) typically within hours. The model creates competitive pricing through market dynamics rather than fixed lender pricing. For small invoices to creditworthy customers, the rate can be very competitive.

What's Investly's typical pricing?

Auction-based, so varies. Typical fees 0.5% to 3.0% of invoice value depending on customer credit grade and invoice term. Smaller invoices to blue-chip customers price toward the lower end; larger or higher-risk invoices price toward the upper end.

What's the minimum invoice size?

£1,000 typical minimum. Below £1,000 the platform fees become uneconomic relative to the funded amount. The product is built for small-ticket selective IF, single-invoice funding for businesses that don't need or want a whole-turnover facility.

How does Investly compare to Hydr or Accelerated Payments?

All three serve small-ticket selective invoice finance. Hydr has the no-minimum-turnover positioning and cross-border EU support. Accelerated Payments has the no-PG model and 45-country coverage. Investly has the auction-pricing model that can be very competitive on small invoices to blue-chip customers but less predictable on cost.