Invoice Finance Approval Likelihood Checker UK
Quick approval-probability score based on the underwriting signals UK invoice finance providers actually look at: turnover, debtor concentration, sector risk, trading history, credit profile.
Quick check
Your approval likelihood
High (90%)
Strong approval profile. Most UK mainstream providers (Close Brothers, Skipton, Bibby, Ultimate Finance) would underwrite this case. Expect competitive rates and standard terms.
| Underwriting signal | Example input | Score effect |
|---|---|---|
| Base score | Every business starts here | 50 points |
| Annual turnover | £250,000 | +15 points |
| Trading history | 18 months | +10 points |
| Top customer share of ledger | 25% | 0 points |
| Director credit issues | None | +5 points |
| Sector | Standard B2B | 0 points |
| B2B invoice ratio | 100% | +10 points |
| Approval likelihood | High | 90 points |
Source: Market Invoice approval likelihood scoring model
Illustrative default scenario. Scores of 80+ = High, 60-79 = Moderate-high, 40-59 = Moderate, 20-39 = Difficult, under 20 = Very difficult.
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### Worked example: typical small B2B business (default checker scenario) | Underwriting signal | Example input | Score effect | | --- | --- | --- | | Base score | Every business starts here | 50 points | | Annual turnover | £250,000 | +15 points | | Trading history | 18 months | +10 points | | Top customer share of ledger | 25% | 0 points | | Director credit issues | None | +5 points | | Sector | Standard B2B | 0 points | | B2B invoice ratio | 100% | +10 points | | Approval likelihood | High | 90 points | Source: Market Invoice approval likelihood scoring model Illustrative default scenario. Scores of 80+ = High, 60-79 = Moderate-high, 40-59 = Moderate, 20-39 = Difficult, under 20 = Very difficult.
“A points score cannot see the things that most often sink real applications: disputed invoices, contractual or stage-payment debt, CIS deductions, and ban-on-assignment clauses in your customer contracts. A business can score High here and still be declined on ledger quality, or score Difficult and get funded by a specialist who likes the debtor book. Treat this as a guide to which providers to approach, not an underwriting decision.”
What this tool tells you
Quick approval-probability score based on the underwriting signals UK invoice finance providers actually look at: turnover, debtor concentration, sector risk, trading history, credit profile.
All UK invoice finance providers serve businesses across the full UK. The numbers above are typical UK market rates for invoice finance approval likelihood UK. For real quotes matched to your specific business, use our 60-second comparison tool.