Accelerated Payments
A selective invoice finance provider funding single invoices from £250k to £10m within 24 hours, underwritten on the debtor's insurability rather than on the borrower's balance sheet.
What they do
Accelerated Payments funds chosen invoices rather than the whole ledger, so a company can draw against one large debtor without committing its entire receivables book. Approval is stated within a day of registration and funds typically follow the same day once a facility is live. Underwriting looks at whether the debtor can be credit-insured rather than at the borrower's own accounts, which changes who qualifies. Debtor coverage extends to more than forty countries, and roughly seventy per cent of origination is UK, with Ireland the second market. Pricing tiers by whether the borrower commits for six or twelve months.
Where they fit in a lower-mid-market raise
Where a company is growing faster than its balance sheet, or has one very large customer whose payment terms are the binding constraint, selective funding solves the problem without the covenants and commitment of a whole-turnover facility. Exporters benefit most, since the debtor rather than the borrower carries the credit and overseas customers are within scope. It is the working-capital line beside a £3–15m structure rather than the structure itself.
Where they are not the fit
Every funded debtor has to be credit-insurable, so a concentrated ledger of uninsurable customers cannot be funded whatever the trading history. Consumer receivables are excluded and the borrower must be a limited company. Selective funding is priced per invoice, which makes it more expensive than a whole-turnover facility for a company that would draw continuously.
Published terms
- Pricing
- Not publicly disclosed. Tiered by contract length: fully flexible (on-demand, highest cost), 6-month contract (improved rates), 12-month contract (best rates).
- Speed to terms
- 24 hours from registration to approval; funds advanced on selected invoices typically same day once live on platform
- Sponsored or sponsorless
- Corporate and direct SME/mid-cap focus; no sponsor-backed track record evidenced but no explicit exclusion; working-capital product not acquisition finance
- Where they lend
- UK and Ireland primary markets; debtor coverage extends to 40-plus countries for export receivables; approximately 70% UK origination
- How they decide
- Online portal application; fast-track credit assessment focused on debtor insure-ability rather than borrower balance sheet; approval stated within 24 hours. Authority is delegated below committee on at least part of the book
- Personal guarantee
- Not typically required on the published terms: no personal guarantee or debenture in most cases, on its selective invoice finance
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
What rules a deal out
Stated limits, taken from Accelerated Payments’s own published criteria. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Debtor must be credit-insurable; non-insurable debtors excluded
- B2B only - consumer receivables not funded
- Borrower must be a limited company
How they sit against the category
- Its published ceiling is £10m; 19 of the 40 asset-based lenders here go at least as high.
- 11 of the 40 publish an indicative price at all; it is one of them.
Counted across the 40 asset-based & asset-finance lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Accelerated Payments write?
Published facilities run £250k to £10m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Accelerated Payments move?
24 hours from registration to approval; funds advanced on selected invoices typically same day once live on platform. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Accelerated Payments lend to companies without a private-equity sponsor?
Yes. Accelerated Payments lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does Accelerated Payments lend?
UK and Ireland primary markets; debtor coverage extends to 40-plus countries for export receivables; approximately 70% UK origination.
Does Accelerated Payments require a personal guarantee?
Not in most cases. Accelerated Payments states that its selective invoice finance needs no personal guarantee or debenture in most cases.
On the record
October 2023: Partnership with Funding Friends UK broker to expand UK SME and mid-corporate referrals; €0.5m to €10m non-recourse facilities confirmed.
April 2023: Launched inventory finance subsidiary alongside core invoice product.
October 2023: Reached €1.5bn total invoices advanced milestone; added €500m in prior nine months; 450+ clients at that point.
2026: (website): €2.5bn total advanced, 600+ clients, 2,800+ debtors across 40+ countries.
Sources: acceleratedpayments.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.