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. More detail + scope
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
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.
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 reviewed: 12 June 2026