Praetura Commercial Finance Review
Praetura Commercial Finance lends to UK small and medium businesses against their unpaid invoices, stock, machinery and property. Its invoice product is confidential invoice discounting, so your customers are not told. It is part of the Praetura Group and is based in Wilmslow, Cheshire. It does not publish an advance rate, fees, a minimum turnover or a setup time.
What this page covers
This page covers
Praetura Commercial Finance products, group structure, and what it does and does not publish
Not covered here
Recruitment-specific finance via Zodeq (see /providers/zodeq/), general invoice finance education (see /guides/), sector pages (see /industries/)
Key Facts
Source: Praetura Commercial Finance's home page, group page and May 2026 NatWest facility announcement, read 14 October 2026.
What Praetura offers
Its website lists four products: confidential invoice discounting, a stock revolver (borrowing against stock), plant and machinery term loans, and property term loans. It describes this as asset based lending. Its recent deals include management buyouts, buy-ins and refinancing.
In May 2026 Praetura said it had secured a £150m lending facility from NatWest to fund more of this lending, and that its loan book had grown to £600m. The wider Praetura Group also runs Zodeq, which funds recruitment agencies.
Who it suits
Praetura suits an established business that wants to borrow against more than its invoices, for example stock or machinery as well, often to fund a buyout or a refinance. Because it offers confidential discounting only, it is less suited to a business that wants the lender to chase its invoices for it (factoring).
A recruitment agency should look at Zodeq, the group's recruitment lender, instead.
How Praetura compares
These lenders publish more of their terms. Praetura publishes none of these figures, so get a written quote from it and set it beside quotes from others.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Time Finance | None published | Up to 90% | timefinance.com |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Our verdict
Praetura Commercial Finance is one to ask if you want a confidential facility that can also lend against stock, machinery or property. It publishes no rates or fees, so ask for the advance rate, every fee and the notice period in writing before you compare.
Official site: Praetura Commercial 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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