Sell Your Unpaid Invoice for Cash UK (2026)

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders.

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue. Outright debt sale to a commercial debt purchaser (Lowell, Cabot, Intrum) typically pays 5 to 30 pence in the pound and is used for older debts (90 plus days), distressed debtors, or when you simply want the debt off your books. For most unpaid invoices under 90 days old with a solvent debtor, spot factoring recovers far more value.

Last updated: 8 May 2026.

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Direct Answer

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue. Outright debt sale to a

Summary

You can sell an unpaid UK B2B invoice in one of two ways. Spot factoring providers (Hydr, Triver, Kriya, IGF) advance 70 to 90 percent of the invoice value within 24 hours and take over the chasing process, taking a fee of 1.5 to 4 percent for invoices under 60 days overdue. Outright debt sale to a commercial debt purchaser (Lowell, Cabot, Intrum) typically pays 5 to 30 pence in the pound and is used for older debts (90 plus days), distressed debtors, or when you simply want the debt off your books. For most unpaid invoices under 90 days old with a solvent debtor, spot factoring recovers far more value.

This Page Covers

sell unpaid invoice for cash UK: spot factoring vs debt sale, recovery rates, fees, disclosed vs confidential, and provider comparison

Not Covered Here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

UK providers worth knowing

ProviderFee fromMin turnoverWhy it fits
HydrVariableNo minSingle invoice sale, 24-hour funding decision
Triver1.5%+No minAPI-driven instant decisions, no contracts
Kriya (Allica Bank)1.5%+£100kSelective single-invoice or batch facility
IGF Invoice Finance1.0%+£50kSelective spot factoring on chosen invoices
SonovateVariableNo minRecruitment / contractor invoices specifically

Spot factoring: sell one invoice for 24-hour cash

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Debt sale: outright sale of distressed receivables

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

How spot factoring fees compare to small claims court costs

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Disclosed vs confidential: will my customer know?

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Spot factoring vs whole-book factoring for occasional unpaid invoices

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

OM

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: 8 May 2026

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Sell Unpaid Invoice UK FAQ

Can I sell an unpaid invoice for cash UK?

Yes, two routes. (1) Spot factoring: sell the invoice to a finance provider who advances 70-90% within 24 hours and chases the customer for full value, then pays you the balance minus their fee. Best for invoices under 90 days overdue with a solvent debtor. (2) Debt sale: sell the receivable outright to a commercial debt purchaser for 5-30p in the pound, with no recourse and no further involvement. Best for old debt, disputed debt, or when you want it off your books.

How much will I get for an unpaid invoice?

Spot factoring: 70-90% advance within 24 hours, plus the balance (minus 1.5-4% fee) when the customer pays. Net recovery typically 92-97% of invoice value if customer pays in 30-60 days. Debt sale: 5-30p in the pound, paid upfront, no further involvement. Net recovery 5-30%. The right choice depends on whether the debtor is solvent and how quickly you need cash.

Can I sell a 90 day overdue invoice UK?

Yes but at a steeper discount. Most spot factoring providers will quote on invoices up to 60-90 days overdue, with the fee rising from 1.5% to 4-6% as the age increases. Beyond 90 days overdue, providers either decline or only fund 50-60% on a no-recourse basis. For invoices 120 days plus or where the debtor is insolvent, debt sale at 5-15p in the pound becomes the realistic recovery option.

Will my customer know I sold their invoice?

Depends on the facility. Disclosed factoring (most spot factoring providers): yes, the customer is told to pay the factor directly. Confidential invoice discounting: no, the customer continues paying you and you forward the funds to the financier. Most spot factoring uses disclosed assignment because the factor takes over chasing. If customer relationship sensitivity matters, ask for a confidential facility or use invoice discounting on whole-book finance instead.

Spot factoring vs debt sale UK?

Spot factoring: 92-97% net recovery, 24 hour cash, factor chases, customer relationship preserved on confidential facilities, recourse comes back if customer disputes. Best for solvent debtors, recent debts, and where customer relationship matters. Debt sale: 5-30% net recovery, immediate finality, no recourse, customer no longer your problem. Best for very old debts, distressed debtors, or when you just want the debt off your books for accounting purposes.

Do I need a long-term contract to sell one invoice?

No. Spot factoring (the name says it) is single-invoice, no minimum, no monthly fees, no facility tie-in. Hydr, Triver, Kriya and IGF all offer one-off invoice sales. Whole-book factoring has 12-24 month contracts, monthly minimums and exit fees. If you have one or a few problem invoices, spot is the right product. If you want continuous funding across all invoices, whole-book is more cost-effective per pound advanced.