Debtor Concentration Checker for UK Invoice Finance
UK invoice finance providers cap funding when one customer represents too much of your sales ledger. This tool shows you whether you're at risk of being capped or rejected, and what concentration most providers will accept.
Calculator
Enter the % of your sales ledger represented by your top 3 customers.
Your concentration risk
Slight
Your concentration is slightly above some providers' typical cap. Most will fund without restriction at 30% but watch for caps in your facility documentation.
| Top customer share of ledger | Concentration risk | Typical provider response |
|---|---|---|
| 25% or less | Low | No concentration cap likely; standard funding |
| 26 to 35% | Slight | Most fund without restriction; watch for a 30% per-debtor cap in the facility documents |
| 36 to 50% | Moderate | Funding capped at 25-30% per debtor; the excess over the cap goes unfunded |
| Over 50% | High | Most providers decline or cap heavily; specialist single-debtor facilities or ledger diversification needed |
Source: Market Invoice debtor concentration checker thresholds
Worked example: top three customers at 35%, 20% and 10% of ledger (the default inputs above) score Slight risk with a likely 30% per-debtor cap.
View as plain-text Markdown
### How UK providers respond to top-customer concentration | Top customer share of ledger | Concentration risk | Typical provider response | | --- | --- | --- | | 25% or less | Low | No concentration cap likely; standard funding | | 26 to 35% | Slight | Most fund without restriction; watch for a 30% per-debtor cap in the facility documents | | 36 to 50% | Moderate | Funding capped at 25-30% per debtor; the excess over the cap goes unfunded | | Over 50% | High | Most providers decline or cap heavily; specialist single-debtor facilities or ledger diversification needed | Source: Market Invoice debtor concentration checker thresholds Worked example: top three customers at 35%, 20% and 10% of ledger (the default inputs above) score Slight risk with a likely 30% per-debtor cap.
“Concentration is only one factor a lender weighs. A strong, investment-grade top customer can be funded at a higher share than these bands imply, while a weak one can be capped sooner. Treat the bands as a guide, not a rule.”
What this tool tells you
UK invoice finance providers cap funding when one customer represents too much of your sales ledger. This tool shows you whether you're at risk of being capped or rejected, and what concentration most providers will accept.
All UK invoice finance providers serve businesses across the full UK. The numbers above are typical UK market rates for debtor concentration invoice finance UK. For real quotes matched to your specific business, use our 60-second comparison tool.