Shawbrook Bank Invoice Finance Review
Shawbrook Bank lends against unpaid invoices as part of asset based lending facilities of £5 million to £50 million. The same facility can also lend against stock, machinery and property. It is aimed at established mid-market businesses. Shawbrook does not publish an advance rate, fees or a setup time.
What this page covers
This page covers
Shawbrook Bank asset based lending: facility size, what it lends against, who it is for 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: Shawbrook's asset based lending page, read 14 October 2026.
How Shawbrook's lending works
Shawbrook looks at each asset your business has, such as unpaid invoices, stock, machinery and property, and works out how much it will lend against each. Together these set the size of your facility. You draw money as you need it, and the amount available moves with your asset levels.
Shawbrook takes a senior debenture over all your assets and may also ask for parental and cross guarantees. It says its asset based lending is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Who it suits
Shawbrook suits a larger, established business that wants to borrow £5 million or more against its invoices and other assets, often for a buyout, an acquisition or a refinance. A smaller business that only wants to borrow against its invoices should look at lenders that work at that size.
Other lenders to compare
IGF also offers asset based lending to larger businesses. The others work with smaller businesses too.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Aldermore Invoice Finance | £750k | Up to 90% | aldermore.co.uk |
| Time Finance | None published | Up to 90% | timefinance.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Our verdict
Shawbrook is one to ask if you need an asset based lending facility of £5 million or more that covers your invoices and other assets. It publishes no advance rate or fees, so get its offer in writing and compare it with at least one other lender.
Official site: Shawbrook Bank
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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