Am I eligible for invoice finance?
Answer 5 quick questions and we'll tell you which of the 85 UK providers would likely accept your business. No signup required.
What's your annual turnover?
How the Invoice Finance Eligibility Check Works
The tool above asks five questions that map to the five criteria every UK invoice finance provider uses at application stage: annual turnover, business model (B2B versus B2C), trading history, customer quality, and credit history. The answers filter our database of 85 UK providers and surface the ones whose published criteria match your profile. Results are indicative, not guaranteed approvals. Every provider still runs their own credit check and underwriting before making a formal offer.
The eligibility engine uses the same logic an experienced broker applies on a first call. Turnover under £50,000 usually means selective (spot) invoice finance rather than a full facility. B2C sales exclude invoice finance entirely because the product only works on B2B credit invoices. Pre-trading or sub-six-month businesses have a shorter list of providers willing to look at day-one trading. CCJs or credit defaults narrow the list further to specialist independents. Blue-chip or government customers open the door to the lowest rates in the market.
The check takes under 60 seconds and your answers are not stored, not shared with providers, and not used to trigger any follow-up contact. If you want actual quotes after seeing the eligibility result, request them through our free comparison form and we will introduce you to up to three providers within 24 hours.
What Affects Invoice Finance Eligibility Most
- •Debtor quality. Providers fund against your customers' ability to pay. Strong debtors unlock better rates than strong applicants.
- •Concentration. A single customer making up more than 30% of your ledger triggers sub-limits. A handful of blue-chip debtors beats one large customer every time.
- •Sector. Recruitment, manufacturing, transport, and wholesale distribution are classic fits. Construction and export need specialists. Professional services skew towards confidential discounting.
- •Trading history. Most providers want at least 6 months of trading. A handful accept day-one businesses with strong debtors.
- •Clean invoicing. Contra accounts, stage payments, and retentions reduce eligible ledger value. Clean B2B invoicing is the ideal profile.
For a deeper walk-through of what underwriters actually look at, read what happens during underwriting. For the documents you will need once you apply, see documents needed.