BoE Base Rate: 4.50% (since 6 February 2025)

What Is Confidential Factoring?

Confidential factoring (more accurately called confidential invoice discounting) is where the finance provider remains invisible to your customers. You manage credit control yourself. Payments go to a trust account in your company name. Your customers never know you use finance. Requires £250,000-£500,000+ turnover.

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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

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