Shawbrook Bank Invoice Finance Review

Shawbrook Bank is a specialist UK lender established in 2011, offering invoice finance, asset-based lending, and commercial loans. Their invoice finance division, which incorporates the former Centric Commercial Finance, can advance up to 100% of invoice values (excluding VAT). As a fully authorised FSCS-member bank, Shawbrook offers the security of a regulated banking partner with the flexibility of a specialist lender.

Shawbrook Bank is a specialist UK lender established in 2011 offering invoice finance that can advance up to 100% of invoice value excluding VAT. Its invoice finance division incorporates the former Centric Commercial Finance. More detail + scope

Summary

Shawbrook Bank is a specialist UK lender established in 2011, offering invoice finance, asset-based lending and commercial loans. Its invoice finance division, incorporating the former Centric Commercial Finance, can advance up to 100% of invoice values excluding VAT. As a fully authorised FSCS-member bank, it combines a regulated banking partner with the flexibility of a specialist lender.

This page covers

Shawbrook Bank invoice finance advance rate, VAT-exclusive basis, FSCS membership and Centric heritage

Not covered here

General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)

Key Facts

Advance rateUp to 100%
LTV basisExcl VAT
FSCS memberYes
Established2011
IncludesEx-Centric CF

Pros and Cons

Strengths

  • Up to 100% LTV advance rate (excl VAT)
  • Fully authorised, FSCS-member bank
  • Experienced team from Centric Commercial Finance
  • Broad product range including ABL and loans
  • Flexible approach to complex business structures

Limitations

  • 100% advance not available on all facilities
  • Less well-known than high-street bank alternatives
  • Pricing can be higher than larger bank competitors

Our Verdict

Shawbrook Bank is a compelling choice for businesses that want the security of a regulated bank combined with the flexibility and higher advance rates of a specialist lender. The up to 100% LTV proposition is genuinely distinctive, and the experienced team inherited from Centric adds real depth. A strong mid-table option that deserves to be on any shortlist.

AP

Adam Parker

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

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Shawbrook Bank Invoice Finance FAQ

Does Shawbrook really offer 100% advance on invoices?

Shawbrook can advance up to 100% of invoice value excluding VAT on approved facilities. This is higher than most providers who cap at 85-90%. The exact advance rate depends on your sector, debtor quality, and overall facility structure.

Is Shawbrook Bank FSCS protected?

Yes. Shawbrook is a fully authorised UK bank regulated by the PRA and FCA. Deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, though this applies to savings rather than invoice finance facilities.

What happened to Centric Commercial Finance?

Centric Commercial Finance was acquired by Shawbrook Bank and integrated into their commercial lending division. If you were previously a Centric client, your facility is now managed by Shawbrook's specialist team.