UK Invoice Finance Lender Index 2026

Invoice finance market share is normally opaque: providers do not publish facility counts, and the trade body reports only aggregate lending value with a long lag. But every invoice finance facility is secured by a debenture, and every debenture is registered at Companies House the moment it is created. By reading those filings as they happen and identifying the lender on each one, we can see, month by month, which providers are actually winning new business.

In September 2026, 57 new invoice finance debentures were registered across 15 active UK lenders. Lloyds Bank Commercial Finance led with 13 (23% of the market's new facilities). The clearest structural signal is the continued retreat of the high street: banks and bank-backed lenders accounted for 26 of the 57 new facilities (46%), while independent and specialist providers wrote the other 31 (54%). The SME invoice finance market is now an independents' market by new-facility volume.

Every charge (debenture) registered at Companies House is published in real time on the Companies House charges streaming API. We consume that stream continuously and keep only the charges whose registered chargee (the persons entitled field) matches our curated list of 38 UK invoice finance lenders. Each kept charge is recorded once, by its filing date, and aggregated into a monthly total per lender.

We count new debenture registrations, which is a proxy for new facility wins, not confirmed deal value or drawn funds. A lender that signs many small facilities ranks above one that signs a few large ones. Classification is by name matching against the published lender list; where a parent bank files charges for unrelated lending (mortgages, asset finance) those are excluded because they do not carry an invoice finance entity name. We do not estimate or fill gaps: if the stream did not capture a charge, it is not counted.

Because the streaming API only surfaces charges filed while it is running, this study reports only the complete live-capture window that began in May 2026 2026. Earlier months hold sparse historical backfill and are excluded from the headline figures. A fresh edition is published each month as it closes, and the current month updates daily as a partial.

Source data is Crown copyright, published by Companies House under the Open Government Licence v3.0. Our aggregation is published under a Creative Commons Attribution 4.0 licence. The full lender coverage list and the classification patterns are published on the market activity tracker so the method is auditable.