Can a Sole Trader Get Invoice Finance?
It's possible but harder. Most providers prefer limited companies because they can register a debenture at Companies House. Some independents like IGF and Ultimate Finance consider sole traders case by case. Converting to a limited company before applying significantly improves your options and rates.
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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: 6 April 2026