Regency Factors Review

Regency Factors plc is an independent invoice finance provider established in 1991 and based in Bury, Lancashire. They accept businesses with annual turnover from £100,000 and offer both invoice factoring and inventory finance. As a long-established independent, Regency provides a personal, relationship-led service with direct access to decision-makers who understand owner-managed businesses.

Regency Factors plc is an independent provider established in 1991 in Bury, Lancashire, accepting businesses from £100,000 turnover and offering both invoice factoring and inventory finance.

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Summary

Regency Factors plc is an independent invoice finance provider established in 1991 and based in Bury, Lancashire. It accepts businesses with turnover from £100,000 and offers both invoice factoring and inventory finance. As a long-established independent, it provides a personal, relationship-led service with direct access to decision-makers who understand owner-managed businesses.

This page covers

Regency Factors minimum turnover, factoring and inventory finance products and independent heritage

Not covered here

Invoice discounting and fintech finance (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)

Key Facts

Min turnover£100k
Established1991
LocationBury, Lancashire
Inventory financeYes
OwnershipIndependent

Pros and Cons

Strengths

  • Established independent provider since 1991
  • Low minimum turnover (£100k)
  • Inventory finance alongside invoice factoring
  • Direct access to senior decision-makers
  • Personal, relationship-driven approach

Limitations

  • Smaller operation with limited national presence
  • Less suitable for very large or complex facilities
  • Technology platform less advanced than fintech rivals

Our Verdict

Regency Factors is a solid, long-established independent that suits smaller businesses wanting a personal service with straightforward decision-making. The addition of inventory finance is a genuine differentiator for businesses that need to fund stock as well as receivables. Larger businesses needing facilities above £5m will likely outgrow what Regency can offer, but for their target market they deliver well.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 7 April 2026

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Regency Factors FAQ

What is the minimum turnover for Regency Factors?

Regency Factors accepts businesses with annual turnover from £100,000. This makes them accessible to smaller businesses that may not meet the thresholds of larger bank-owned providers.

Does Regency Factors offer inventory finance?

Yes. Regency Factors is one of the few independent providers that offers inventory (stock) finance alongside invoice factoring. This can be useful for businesses that need to fund both their receivables and their stock purchases.

Is Regency Factors independent?

Yes. Regency Factors plc is fully independent and has been since its founding in 1991. They are not owned by a bank or private equity firm, which gives them flexibility in decision-making and pricing.