Lloyds Bank Commercial Finance vs Santander Invoice Finance: UK Invoice Finance Comparison 2026
See how Lloyds Bank Commercial Finance compares to Santander 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.
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. Lloyds Bank Commercial Finance needs £100k minimum turnover, Santander Invoice Finance does not publish a minimum turnover figure.
Side-by-side
Full reviews: Lloyds Bank Commercial Finance · Santander Invoice Finance
| Compared on | Lloyds Bank Commercial Finance | Santander Invoice Finance |
|---|---|---|
| Product type | Confidential invoice discounting (ABL above £10m turnover) | Invoice finance (CID, factoring) |
| Min turnover | £100k | Not published |
| 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 | Yes |
| Setup speed | Not published | Not published |
Sources for these figures: Lloyds Bank Commercial Finance: advance rate · Lloyds Bank Commercial Finance: minimum turnover · Santander Invoice Finance: advance rate
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 Santander Invoice Finance wins
- Santander Group balance sheet.
- European multi-currency capability.
- Banking relationship cross-sell.
- Established IF desk.
Best for
Existing Santander corporate customers, Established SMEs wanting a bank relationship, European trade-exposed businesses.
FAQ
Lloyds Bank Commercial Finance or Santander 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; Santander Invoice Finance: minimum turnover not published), and factoring (Santander Invoice Finance offers it, Lloyds Bank Commercial Finance does not). Start with the one whose published terms fit your business, then compare a quote from each.
How do Lloyds Bank Commercial Finance and Santander 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 Santander Invoice Finance?
Both Lloyds Bank Commercial Finance and Santander 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. 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 Santander 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.
Related
- Full Lloyds Bank Commercial Finance review
- Full Santander Invoice 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 Lloyds Bank Commercial Finance come from its own website.
- Figures for Santander Invoice Finance come from its own website.
- Lloyds Bank Commercial Finance: advance rate
- Lloyds Bank Commercial Finance: minimum turnover
- Santander Invoice Finance: advance rate
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 Lloyds Bank Commercial Finance and Santander Invoice 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.