Barclays Invoice Finance vs Lloyds Bank Commercial Finance: UK Invoice Finance Comparison 2026
See how Barclays Invoice Finance compares to Lloyds Bank Commercial Finance side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
Both are UK high street banks that offer invoice finance. If you already bank with one of them, it makes sense to ask that bank, but get a quote from the other too. Both advance up to 90%, setup time not published. Barclays Invoice Finance does not publish a minimum turnover figure, Lloyds Bank Commercial Finance needs £100k minimum turnover.
Side-by-side
Full reviews: Barclays Invoice Finance · Lloyds Bank Commercial Finance
| Compared on | Barclays Invoice Finance | Lloyds Bank Commercial Finance |
|---|---|---|
| Product type | Confidential invoice discounting | Confidential invoice discounting (ABL above £10m turnover) |
| Min turnover | Not published | £100k |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | No | No |
| Setup speed | Not published | Not published |
Sources for these figures: Barclays Invoice Finance: advance rate and "fees subject to application" · Lloyds Bank Commercial Finance: advance rate · Lloyds Bank Commercial Finance: minimum turnover
When Barclays Invoice Finance wins
- High street bank with banking relationship cross-sell.
- Optional bad debt cover for certain debtors.
Best for
Existing Barclays banking customers, Established SMEs wanting a bank relationship, Multi-product banking facility seekers.
When Lloyds Bank Commercial Finance wins
- Full ABL panel: receivables, stock, plant, property.
- Banking relationship cross-sell (current account, FX, trade).
- Multi-currency and export finance integrated.
Best for
Existing Lloyds banking-relationship customers, Multi-currency exporters, Full ABL panel seekers.
Watch outs
- Credit committee approval adds friction.
FAQ
Barclays Invoice Finance or Lloyds Bank Commercial Finance: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (Barclays Invoice Finance: minimum turnover not published; Lloyds Bank Commercial Finance: £100k minimum turnover). Start with the one whose published terms fit your business, then compare a quote from each.
How do Barclays Invoice Finance and Lloyds Bank Commercial Finance price their facilities?
Neither publishes its pricing; both quote per facility. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Barclays Invoice Finance or Lloyds Bank Commercial Finance?
Both Barclays Invoice Finance and Lloyds Bank Commercial Finance offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
Barclays Invoice Finance is a poor fit for businesses wanting factoring (Barclays offers discounting only). Lloyds Bank Commercial Finance is a poor fit for sub-£100k turnover. If that describes your business, you can get 3 free quotes through our quote form.
Can Market Invoice help me choose between Barclays Invoice Finance and Lloyds Bank Commercial Finance?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full Barclays Invoice Finance review
- Full Lloyds Bank Commercial Finance review
- Barclays Invoice Finance vs HSBC Invoice Finance
- HSBC Invoice Finance vs NatWest Invoice Finance
- HSBC Invoice Finance vs Santander Invoice Finance
- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
- UK invoice finance by region
Sources
- Figures for Barclays Invoice Finance come from its own website.
- Figures for Lloyds Bank Commercial Finance come from its own website.
- Barclays Invoice Finance: advance rate and "fees subject to application"
- Lloyds Bank Commercial Finance: advance rate
- Lloyds Bank Commercial Finance: minimum turnover
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. Our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare Barclays Invoice Finance and Lloyds Bank Commercial Finance quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.