Every invoice finance provider on the Lendus panel, with the charges, facility size and minimum turnover each one publishes, plus 5 picks for specific jobs.
Last reviewed by the Lendus editorial team. Lendus is an introducer, not a lender.
Invoice finance advances cash against invoices you have raised but not yet been paid for. It is priced in two parts, a discount charge applied to the money advanced for as long as the invoice is outstanding, plus a service fee, which is why one headline percentage tells you very little. Two providers on this panel publish that discount charge as a percentage of invoice value per month: Bibby Financial Services at 1% to 3% and Ultimate Finance at 0.8% to 2.5%. The rest quote per business. Minimum turnover is the other gate, and among the providers that publish one it runs from £100,000 to £250,000 a year.
5 of the 7 panel lenders below, chosen for a specific job. Every figure in these cards is read from that lender's own record. The full panel follows.
Bibby Financial Services publishes 1% to 3% of invoice value per month as its factoring discount charge, plus a service fee, on ledgers from £50,000 to £15 million. Facility setup typically takes 1 to 2 weeks and initial funding follows within 24 hours of the facility agreement. It asks for £100,000 of annual turnover, against the £250,000 published by Ultimate Finance and Close Brothers, prefers 6 months of trading but considers startups with strong order books, and says it lends against debtor quality rather than your own credit profile. Lendus has not confirmed its regulatory status against a primary source, so check the FCA Register before you commit.
Lendus has not confirmed this firm's regulatory status against a primary source. Check the FCA Register at register.fca.org.uk before you commit.
Read full reviewUltimate Finance publishes 0.8% to 2.5% of invoice value per month as its discount charge, plus a service fee, on £20,000 to £5 million, the lowest published discount charge in this table. It sets up in 5 to 10 working days with funding within 24 hours of activation, prefers 3 months of trading with invoice history, and asks for £250,000 of annual turnover for invoice finance. Its stated speciality is construction, where CIS, application-based invoicing and retentions defeat a lot of general providers. Lendus has not confirmed its regulatory status against a primary source, so check the FCA Register before you commit.
Lendus has not confirmed this firm's regulatory status against a primary source. Check the FCA Register at register.fca.org.uk before you commit.
Read full reviewClose Brothers is an FTSE 250 bank with sector-specialist teams, and takes invoice finance alongside asset finance and lending on £10,000 to £5 million. Its published range of 5% to 18% per year is a lender-wide annual figure rather than an invoice finance discount charge, so ask for the discount charge and the service fee separately. It is the strictest here on eligibility, asking for 24 months of trading and £250,000 of turnover, and takes 3 to 5 working days. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, firm reference number 124750.
Kriya advances up to 90% of an outstanding invoice with funds released within 24 hours of an approved upload, on facilities from £50,000 to £1 million, and describes its pricing as pay-as-you-use, which suits a business that wants to fund some invoices rather than assign a whole ledger. It publishes no rates, factor rates or representative APR at all, so no figure can be quoted here. It asks for 12 months of trading with at least one set of filed accounts. Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes, reference number 750199; that is AML supervision rather than full FCA authorisation for its lending products, and Kriya does not claim broader authorisation.
Cynergy Business Finance funds £200,000 to £40 million against receivables, stock, property and other business assets, so it suits a business that has outgrown a standard invoice finance line and wants receivables finance, inventory finance and cash flow lending from one place. It publishes no indicative rates, discount margins or factor rates, and it publishes no minimum trading history or turnover either, assessing each business individually. Its own asset-based lending is exempt from FCA and PRA regulation; it is a subsidiary of Cynergy Bank plc, which is separately authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA under firm reference number 575105.
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Check EligibilityEvery provider on the Lendus panel whose record carries invoice finance. Two of them publish a discount charge as a percentage of invoice value per month and the rest quote per business, and a service fee is charged on top of the discount charge, so a rate in this table is never the whole price. Some of the rates shown are lender-wide rather than invoice finance specific, which the profile makes clear.
Lenders that publish a rate are listed first, then those that quote every deal individually. Within each group the order is alphabetical, so a lender's position in this table is not a score.
| Lender | Facility size | Published rate | Decision speed | Minimum trading history | Checked |
|---|---|---|---|---|---|
| Aldermore Bank | £2k to £10m | 4.5% to 20%per year | Same-day decisions on asset finance up to £250,000; 3–5 days for larger deals | 12+ months for most products | |
| Bibby Financial Services † | £50k to £15m | 1% to 3%of invoice value per month | Facility setup typically 1–2 weeks; initial funding within 24 hours of facility agreement | 6+ months preferred; startups with strong order books considered | |
| Close Brothers | £10k to £5m | 5% to 18%per year | Within 3–5 working days | 24+ months | |
| Ultimate Finance † | £20k to £5m | 0.8% to 2.5%of invoice value per month | Facility setup 5–10 working days; initial funding within 24 hours of activation | 3+ months with invoice history preferred | |
| Cynergy Business Finance | £200k to £40m | No public rate card | Cynergy Business Finance describes its decision-making as fast, positive and assured, but does not publish a specific turnaround time (such as a number of hours or days) on its website as of August 2026. | Not publicly stated by Cynergy Business Finance. Eligibility appears to be assessed on the strength of the underlying receivables, stock, property or other assets on a per-business basis rather than against a published minimum years-trading threshold. | |
| Kriya | £50k to £1m | No public rate card | Invoice finance: once approved, funds are advanced within 24 hours of uploading an invoice. Working capital loans: Kriya's own site states a member of the team will respond with an initial terms and pricing offer within 1 week of enquiry. | Minimum 12 months trading with at least one set of financial accounts filed for invoice finance and working capital loans. Kriya's PayLater product has a lower minimum of 3 months trading. | |
| White Oak UK | £5k to £500k | No public rate card | White Oak UK states an average loan decision turnaround of around 4 hours, though this is not a guaranteed timescale for every deal. | Not publicly stated; assessed as part of underwriting. |
Figures are taken from each lender's own published material on the date shown and are indicative, not offers. Where a lender publishes no rate we say so rather than estimating one. A monthly rate and a factor rate are not APRs and do not convert cleanly into one.
A lender's published rate can cover more than one of its products. Each lender's profile carries the full note, including which product the figure applies to and any fees charged on top.
† Lendus has not confirmed the regulatory status of Bibby Financial Services, Ultimate Finance against a primary source, so this page makes no regulatory claim about them. Check the FCA Register at register.fca.org.uk before you commit to any lender.
Reviewed 25 August 2026. This page is built from the Lendus lender panel rather than from a shortlist. Every provider whose record carries invoice finance appears in the table below, in an order generated from the records themselves: lenders that publish a rate come first, then lenders that quote every deal individually, alphabetically within each group. Position in that table is not a score. The picks above it are editorial, and "best" here means best for a stated job, such as the published discount charge, the lowest turnover requirement, or a sector the provider specialises in. The reason is written next to each pick, so you can disagree with it. We do not score lenders out of 5 and we do not rank them against one another, because the right lender depends on your size, your trading history and what you are funding. Rates, facility sizes, decision times and eligibility are taken from each lender's own published material on the date shown against it, and are indicative rather than offers. Where a lender publishes no rate, we print that rather than estimating one, and we print a rate in the unit the lender quotes it in, because a monthly rate and a factor rate are not APRs. We make no statement about a firm's regulatory status unless we have confirmed it against a primary source and recorded that source on the lender's own page; where we have not, we say so and point you to the FCA Register.
Lendus receives a commission or referral fee from brokers and lenders when a business we introduce goes on to receive funding. It does not affect the rates you are offered, and it cannot affect the order of the table above, which is generated from the lender records rather than set by hand.
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