Lendus.

Invoice Finance in London

Compare factoring, discounting, and selective invoice finance from specialist providers serving London and Greater London businesses. Matching begins after you apply; a soft credit check may be used for matching.

50+ UK lenders through Fundably
3+ months trading
UK limited companies only
Monthly revenue required

Rates

From 0.5%

of invoice value

Amounts

£10k - £5M facility

Speed

24 hours

London

1.1M

businesses

Explore business funding options through Fundably

For UK limited companies with 3+ months’ trading and monthly revenue.

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Invoice Finance explained

Invoice finance lets you release cash tied up in unpaid customer invoices immediately, rather than waiting 30-90 days for payment. A finance provider advances up to 90% of the invoice value within 24 hours, then collects the full payment from your customer.

How invoice finance works

You raise invoices to your customers as normal. Instead of waiting for payment, you submit the invoices to your finance provider, who advances up to 90% of the value within 24 hours. When your customer pays, the provider releases the remaining balance minus their fee.

Invoice Finance options in London

Invoice Factoring

The provider manages credit control and collects from your customers directly. You get funding plus outsourced collections.

Invoice Discounting

Confidential, you maintain customer relationships and collect payments yourself. Customers are unaware of the arrangement.

Selective Invoice Finance

Choose which invoices to finance, one at a time. No long-term commitment. Higher per-invoice cost but maximum flexibility.

Representative example

Borrow £100,000 at 1.5% over per invoice. Total repayable: ~£101,500. Your rate depends on your circumstances.

Ready to compare invoice finance in London?

For UK limited companies with 3+ months’ trading and monthly revenue.

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Common uses for invoice finance in London

Invoice Finance for London businesses

London is the UK's largest commercial centre, home to over 1.1 million businesses and generating approximately 23% of the UK's GDP. The city's economy spans financial services in the City and Canary Wharf, technology in Shoreditch and King's Cross, and world-leading creative and media industries across Soho and Southbank. London attracts more foreign direct investment than any other European city, making it a critical hub for businesses seeking access to global capital and talent. With 1.1M registered businesses across Greater London, London has strong demand for competitive invoice finance.

Funding availability depends on the business and finance required in the Greater London area. Whether your London business needs recruitment and staffing agencies or construction and building trades, lenders assess each application individually.

Financial ServicesTechnologyCreative IndustriesProfessional Services

Invoice Finance with bad credit in London

Several specialist lenders on our panel work with London businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.

Explore business funding options through Fundably

For UK limited companies with 3+ months’ trading and monthly revenue.

Check Eligibility

Invoice Finance in London: frequently asked questions

Is invoice finance available for London businesses?
Yes. Invoice finance is available to any UK business that invoices other businesses (B2B). Your London location has no impact on eligibility, what matters is the creditworthiness of your customers and the quality of your invoices.
How much does invoice finance cost in London?
Typically 0.5-3% of invoice value as a service charge, plus interest on drawn funds at 1-3% above base rate. Total costs depend on facility size, industry, and customer credit quality. The cost is the same regardless of your London location.
Can startup businesses in London use invoice finance?
Some providers accept businesses from 3-6 months of trading. The quality and creditworthiness of your customers matters more than your own trading history. London startups with blue-chip or public sector clients have the best chances.
Will my London customers know I use invoice finance?
Not if you choose invoice discounting, which is fully confidential. With factoring, your customers will know because the provider collects payments directly. Both options are widely accepted in business.
What types of invoices can be financed?
B2B invoices for goods or services already delivered. Consumer invoices, pre-delivery invoices, and invoices with retention clauses may not be eligible. Most London businesses trading B2B can access invoice finance.
How does invoice factoring differ from discounting?
Factoring includes outsourced credit control, the provider chases payments for you. Discounting is confidential, you collect payments yourself. Factoring suits businesses with limited admin resources. Discounting suits established businesses wanting to keep customer relationships private.
What is selective invoice finance?
Selective invoice finance lets you choose individual invoices to finance on a one-off basis, without committing to a whole-ledger facility. Rates are higher per invoice (1-3.5%) but there are no long-term contracts or minimum commitments.
How quickly can I get funded?
Once set up, individual invoices are typically funded within 24 hours of submission. Initial setup of the facility takes 1-2 weeks including due diligence on your customers. After that, funding is ongoing and automatic.

Learn more about invoice finance

Invoice Finance for Recruitment Factoring vs Discounting Invoice Finance vs Business Loan Best Factoring Companies

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Explore business funding options through Fundably.

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For UK limited companies with at least 3 months’ trading and monthly revenue.

Invoice Finance in London

Ltd companies · 3+ months trading · monthly revenue

Check eligibility