NatWest Invoice Finance vs Santander Invoice Finance: UK Invoice Finance Comparison 2026
See how NatWest Invoice 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. NatWest Invoice Finance needs £300k minimum turnover, Santander Invoice Finance does not publish a minimum turnover figure.
Side-by-side
Full reviews: NatWest Invoice Finance · Santander Invoice Finance
| Compared on | NatWest Invoice Finance | Santander Invoice Finance |
|---|---|---|
| Product type | Invoice discounting, ABL | Invoice finance (CID, factoring) |
| Min turnover | £300k | 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: NatWest Invoice Finance: advance rate · NatWest Invoice Finance: minimum turnover · Santander Invoice Finance: advance rate
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.
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
NatWest Invoice 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 (NatWest Invoice Finance: £300k minimum turnover; Santander Invoice Finance: minimum turnover not published), and factoring (Santander Invoice Finance offers it, NatWest Invoice Finance does not). Start with the one whose published terms fit your business, then compare a quote from each.
How do NatWest Invoice 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 NatWest Invoice Finance or Santander Invoice Finance?
Both NatWest Invoice Finance and Santander Invoice Finance offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
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 NatWest Invoice 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 NatWest Invoice 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 NatWest Invoice Finance come from its own website.
- Figures for Santander Invoice Finance come from its own website.
- NatWest Invoice Finance: advance rate
- NatWest Invoice 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: .
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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.