Peak Cashflow Review
Peak Cashflow is an independent UK invoice finance provider, set up in 2007, with offices in Birmingham and Macclesfield. It pays up to 90% of an invoice's value and works with businesses that need to borrow up to £1 million. It does not publish its fees.
What this page covers
This page covers
Peak Cashflow products, advance rate, facility size, ownership, offices and what it does not publish
Not covered here
Larger and bank facilities (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)
Key Facts
Source: Peak Cashflow's home page, history page, invoice discounting page and FAQ page, read 14 October 2026.
What Peak Cashflow offers
- Invoice discounting. You draw down up to 90% of each invoice and keep chasing your own customers. Your customers are not told.
- Factoring. The same advance, but Peak's credit control team chases the invoices for you.
- Trade finance. Money to buy the goods or materials you need to fulfil a large order.
- Bad debt protection. Cover of up to 90% of the net value of an invoice if your customer does not pay. It works alongside the other products.
Who it suits
Peak suits a smaller business that needs to borrow up to £1 million against its invoices and wants to deal with a small, independent firm rather than a bank. Its founders still work in the business, and it says every client gets direct access to a senior decision maker.
If you expect to need more than £1 million, Peak is outside its stated range, so look at larger lenders as well. Because Peak publishes no fees, the only way to compare its cost is to get a written quote and set it beside quotes from other lenders.
Our verdict
Peak Cashflow is worth a quote if you are a small business borrowing under £1 million and you want a staff-owned, non-bank lender. Ask for the full fee breakdown it offers, and check the notice period and any exit fees before you sign.
Official site: Peak Cashflow
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 updated: