Partnership Invoice Finance Review
Partnership Invoice Finance is an independent factor in Paddock Wood, Kent, incorporated in 2002. It offers recourse factoring and disclosed invoice discounting to start-ups and small businesses, for funding up to around £1 million. It does not publish its fees or advance rate.
What this page covers
This page covers
Partnership Invoice Finance products, who it serves, what it publishes, and lenders to compare
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
What Partnership offers
- Recourse factoring: Partnership runs your sales ledger from the moment you tell it about a sale until the customer pays, and chases your customers by phone rather than relying only on automated letters. Recourse means you carry the loss if a customer does not pay.
- Disclosed invoice discounting: you keep control of your own ledger. Partnership keeps a shadow copy, sends your customers monthly statements and applies payments as they arrive. Disclosed means your customers know a finance company is involved.
- Outsourced credit control as a separate service.
Clients get access to an online system showing their ledger and account. Partnership says it can help whatever your credit score.
Sources: Partnership Invoice Finance home page, recourse factoring page and disclosed invoice discounting page, read 14 Oct 2026; Companies House 04365011.
Who it suits
Partnership suits a start-up or small business that sells to other businesses on credit and needs up to around £1 million, and that wants a small firm to deal with its customers by phone. If you need more than about £1 million, or you do not want your customers to know, ask other lenders whether they offer larger or confidential facilities.
How it compares
These lenders publish some of their terms on their own websites.
| 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 |
| Hydr | No minimum | Up to 100% per invoice | hydr.co.uk |
| Time Finance | None published | Up to 90% | timefinance.com |
Figures as published on each lender's own website, checked 14 October 2026. Most of these lenders do not publish their fees.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 notice do I need to give to leave?
- Will you need personal guarantees from the directors?
Official site: Partnership Invoice Finance
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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