Redd Factors Review
Redd Factors is a small factoring company based in Berkshire. It pays up to 80% of an invoice, usually on the same day, and its own credit controllers chase the invoice for you. It usually lends up to £350,000 and works only with limited companies. It does not publish its fees.
What this page covers
This page covers
Redd Factors factoring: advance, maximum lend, security, set-up and what it does not publish
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
Source: Redd Factors' home page and FAQ, read 14 October 2026.
How it works
You send Redd a copy of each invoice. Redd pays you up to 80% of it, usually the same day. Its credit controllers chase your customer, and when the customer pays, Redd sends you the rest less its fees.
Redd does not offer selective (single invoice) finance. It may agree to leave out invoices to particular customers.
What Redd asks for
- Security. A debenture registered at Companies House and, in most cases, a personal guarantee from a director or shareholder.
- A visit. Redd surveys your business at your premises. It says your facility can be running 24 to 48 hours after that survey.
- A limited company. It does not currently fund sole traders.
Who it suits
Redd suits a small limited company that wants a lender to chase its invoices and needs to borrow up to about £350,000. If you want to keep chasing your own customers (invoice discounting), want to fund single invoices, or need a bigger facility, look at other lenders.
Other lenders to compare
These lenders publish some of their terms. Redd publishes no fees, so get a written quote and set it beside quotes from others.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Time Finance | None published | Up to 90% | timefinance.com |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Our verdict
Redd Factors is a small factoring firm worth asking if you are a limited company borrowing under £350,000 and want someone else to chase your invoices. Its advance of up to 80% is lower than some lenders publish, and it usually wants a personal guarantee, so compare its written quote with at least one other lender.
Official site: Redd Factors
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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