13 Best Invoice Finance Companies in the UK

Invoice Finance has become one of the most popular cash‑flow solutions for UK businesses that release cash against unpaid invoices. Whether you're a fast‑growing SME, a recruitment agency managing weekly payroll, or a business needing predictable working capital, choosing the right invoice factoring provider can significantly impact your growth and margins.

Below, we’ve reviewed 13 of the best invoice factoring companies in the UK, based on flexibility, reputation, speed of funding, and suitability for different business types.

Best Invoice Factoring Companies in the UK

Invoice factoring helps UK businesses turn unpaid invoices into immediate cash flow. Whether you’re an SME or a mid-market business, these are the top 13 invoice factoring providers in the UK (in no particular order):

1. eCapital – Flexible, scalable invoice factoring for growing businesses
   
   

2. Time Finance – Relationship-led factoring solutions for SMEs
   
   

3. Sonovate – Specialist for recruitment agencies and contractor businesses
   
   

4. Bibby Financial Services – Full-service factoring with credit protection options
   
   

5. Close Brothers Invoice Finance – Bespoke and scalable solutions for mid-sized businesses
   
   

6. Novuna Business Cashflow – Flexible invoice factoring backed by the Mitsubishi Group
   
   

7. Metro Bank – Bank-focused invoice finance with integrated services
   
   

8. Ultimate Finance – Sector-specific solutions with strong advance rates
   
   

9. Team Factors – Tailored solutions for complex funding needs
   
   

10. Pennyfreedom – Digital-first, flexible, selective invoice finance
    
    

11. Paragon Bank – Transparent and quick invoice factoring options
    
    

12. Grenke Factoring – SME-focused invoice finance solutions
    
    

13. 4Syte – Fast, online-first invoice finance for SMEs

Why Use an Independent Invoice Finance Broker?

With so many invoice factoring companies in the UK- each offering different pricing structures, contract terms, and levels of flexibility. Choosing the right provider can quickly become complex and time-consuming.

This is where using an independent broker like Secure Business Finance can make a real difference.

Rather than being tied to a single lender, an independent broker reviews the wider market on your behalf, compares multiple invoice factoring providers, and identifies the most suitable options based on your business model, cash-flow needs, and growth plans.

By working with Secure Business Finance, UK businesses benefit from:

• Access to a broad panel of invoice factoring lenders
  
  

• Expert guidance on fees, advance rates, and contract terms
  
  

• Support negotiating competitive offers
  
  

• A faster, more informed funding decision
  
  

Ultimately, using an independent broker helps ensure you secure the best invoice factoring solution for your business, not just the most obvious or heavily marketed option.