Quba Solutions vs MarketInvoice
Quba Solutions and MarketInvoice are not the same kind of business. Quba is an independent UK invoice finance provider offering factoring and confidential discounting from £50,000 turnover, with a focus on recruitment, contractor finance and general SME working capital. As a smaller independent it offers more personalised service and quicker turnaround than larger bank-owned providers. MarketInvoice is an independent whole-of-market comparison and routing service: we compare every UK invoice finance provider including Quba, then route you to the best fit. If you know Quba is right and you fit its model, apply direct. If you want Quba compared against Sonovate, Bibby Recruitment Finance, IGF and the rest of the recruitment-finance market, that is what MarketInvoice does.
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: 17 June 2026
At a glance
| Quba Solutions | MarketInvoice | |
|---|---|---|
| What it is | Independent UK invoice finance provider | Independent whole-of-market comparison and routing service |
| Minimum turnover | £50,000 | No minimum: we match across providers from £50k upwards |
| Products | Factoring and confidential discounting | All major product types via matched providers |
| Sector focus | Recruitment, contractor finance, general SME | All sectors |
| Pay-and-bill back-office | Yes for recruitment clients | Some matched providers include it (Sonovate, Quba), most do not |
| Setup speed | Typically 3 to 7 working days | Three quotes within 24 hours |
| Style | Smaller independent, personalised service | Independent introducer service |
When Quba wins
- You want a smaller, more personal alternative to Sonovate with similar recruitment specialism but more direct human relationship.
- You want pay-and-bill included for a UK recruitment agency without the scale (and price) of Sonovate.
- You sit just over the £50k turnover bar and want a lender that takes the time to understand a smaller SME's specifics.
- You want confidential discounting rather than the disclosed factoring model Sonovate uses.
- You value direct access to underwriters rather than going through a call centre at a larger lender.
When MarketInvoice wins
- You want Quba compared against the rest of the UK recruitment-finance market before committing: Bibby Recruitment Finance, Sonovate, IGF, Pulse Cashflow all compete with Quba on different angles.
- You sit below the £50k turnover bar: some panel providers will quote below this level.
- You want the lowest cost rather than the most personalised service: a Close Brothers, Skipton or Aldermore facility at scale may be cheaper.
- You were declined by Quba: Quba's risk appetite is moderate. We route to lenders with wider risk appetite.
- You operate outside recruitment and contractor finance: panel providers with broader sector underwriting may fit better.
If Quba is not a fit
The closest alternatives on the MarketInvoice panel are Sonovate (UK market leader in recruitment finance with embedded IR35/AWR tooling), Bibby Recruitment Finance (the largest UK independent with a dedicated recruitment team), IGF (mid-tier with strong recruitment specialism), Pulse Cashflow (weekly-payroll sectors), and Ultimate Finance (independent generalist from £50k). See the full list on alternatives to Quba.
Quba vs MarketInvoice FAQ
What does Quba Solutions offer?
Quba Solutions is an independent UK invoice finance provider offering factoring and confidential discounting from £50,000 turnover, focused on recruitment, contractor finance and general SME working capital. As a smaller independent it offers more personalised service and direct access to underwriters, with setup typically in 3 to 7 working days.
How does Quba compare with Sonovate?
Both serve recruitment, but Quba is a smaller, more personal alternative and offers confidential discounting, whereas Sonovate is the larger market leader using a disclosed factoring model with embedded pay-and-bill. Quba includes pay-and-bill for recruitment clients without Sonovate's scale and price. MarketInvoice can quote both side by side.
Is MarketInvoice a lender like Quba?
No. MarketInvoice is an independent whole-of-market comparison and routing service, not a lender. We compare Quba against the rest of the UK recruitment-finance market, including Bibby Recruitment Finance, Sonovate, IGF and Pulse Cashflow, and route you to the best fit with no MarketInvoice fee.
What if Quba declines me or I am below £50k turnover?
Quba's risk appetite is moderate and its minimum is £50,000 turnover. If you are declined or sit below that bar, the MarketInvoice panel includes providers with wider risk appetite and some that quote below £50k. We route you to lenders more likely to fit your profile.
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