Lloyds Bank Commercial Finance vs NatWest Invoice Finance: UK Invoice Finance Comparison 2026

See how Lloyds Bank Commercial Finance compares to NatWest Invoice 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.

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Start here: what fits your business?

Recruitment agencyConstructionWholesaleUnder £500k turnoverConfidential (clients mustn't know)Not sure

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. Lloyds Bank Commercial Finance needs £100k minimum turnover, NatWest Invoice Finance needs £300k minimum turnover.

Side-by-side

Full reviews: Lloyds Bank Commercial Finance · NatWest Invoice Finance

Figures are what each provider publishes on its own website; "Not published" means it gives no figure. Prices are usually set per facility, so check terms before signing.
Compared on Lloyds Bank Commercial Finance NatWest Invoice Finance
Product type Confidential invoice discounting (ABL above £10m turnover)Invoice discounting, ABL
Min turnover £100k£300k
Advance rate Up to 90%Up to 90%
Typical fee Not published (quoted per facility)Not published (quoted per facility)
Confidential available? YesYes
Factoring available? NoNo
Setup speed Not publishedNot published

Sources for these figures: Lloyds Bank Commercial Finance: advance rate · Lloyds Bank Commercial Finance: minimum turnover · NatWest Invoice Finance: advance rate · NatWest Invoice Finance: minimum turnover

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.

When NatWest Invoice Finance wins

  • NatWest Group balance sheet scale.
  • Banking relationship cross-sell.
  • ABL panel.
  • Established invoice finance desk.

Best for

Existing NatWest banking customers, £300k+ turnover, Banking relationship seekers.

Watch outs

  • Invoice discounting needs turnover over £300k and established credit control.
  • Credit committee approval process.

FAQ

Lloyds Bank Commercial Finance or NatWest Invoice Finance: which is the better fit for UK invoice finance in 2026?

On what they publish, they differ on minimum turnover (Lloyds Bank Commercial Finance: £100k minimum turnover; NatWest Invoice Finance: £300k minimum turnover). Start with the one whose published terms fit your business, then compare a quote from each.

How do Lloyds Bank Commercial Finance and NatWest Invoice 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 Lloyds Bank Commercial Finance or NatWest Invoice Finance?

Both Lloyds Bank Commercial Finance and NatWest Invoice Finance offer confidential invoice discounting (your customers are not notified).

Who is each one not suited to?

Lloyds Bank Commercial Finance is a poor fit for sub-£100k turnover. NatWest Invoice Finance is a poor fit for sub-£300k turnover. If that describes your business, you can get 3 free quotes through our quote form.

Can Market Invoice help me choose between Lloyds Bank Commercial Finance and NatWest Invoice 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.

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Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .

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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.