The lender map · by what they lend against
Which UK lenders offer invoice finance?
The answer
34 lenders in Solon's directory offer invoice finance. By type, they are 7 clearing banks, 19 asset-based and asset-finance lenders, 7 challenger and specialist banks and 1 private-credit fund.
Answered by Solon Corporate Finance from the lenders’ own published terms · Last reviewed 27 September 2026
How this list is drawn
A lender appears here when it runs an invoice finance desk or lists invoice discounting or factoring among its published products.
What to know
Invoice finance advances cash against unpaid invoices, typically most of their value, and releases the balance when the customer pays. Invoice discounting leaves collection with the business and is usually confidential. Factoring hands collection to the lender.
It grows with sales, which makes it a natural working-capital line, and it often sits inside a wider asset-based facility. The guides on asset-based lending and on choosing between cash-flow and asset-based lending cover where it fits.
The lenders34
Clearing & relationship banks7
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| AIB (NI) | TypeClearing banks · Clearing & relationship | LendsTerm loans, commercial real estate investment finance, development finance | RangeNot published | ReviewedSep 2026 |
| Barclays | TypeClearing banks · Clearing & relationship | LendsSenior term loan, Revolving credit facility (RCF), Asset-based lending (ABL) | Rangefrom £3m | ReviewedJul 2026 |
| Danske Bank | TypeClearing banks · Clearing & relationship | LendsTerm loans, revolving credit facilities, bridging loans | RangeNot published | ReviewedSep 2026 |
| Lloyds Bank | TypeClearing banks · Clearing & relationship | LendsSenior term loan, revolving credit facility, acquisition / capex facilities | Rangefrom £5m | ReviewedJul 2026 |
| NatWest | TypeClearing banks · Clearing & relationship | LendsBilateral term loan, Revolving credit facility (RCF), senior syndicated / club loan | Range£1m–£30m | ReviewedJul 2026 |
| Santander UK | TypeClearing banks · Clearing & relationship | LendsSenior term debt, revolving credit / working-capital facilities, invoice finance | Rangefrom £3m | ReviewedJul 2026 |
| Ulster Bank | TypeClearing banks · Clearing & relationship | LendsTerm loans, acquisition finance, real estate investment and development finance | RangeNot published | ReviewedSep 2026 |
Asset-based & asset-finance lenders19
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| 4Syte | TypeAsset-based · Asset-based lending | LendsAsset-based lending, invoice finance | Rangeup to £4m | ReviewedJun 2026 |
| Accelerated Payments | TypeAsset-based · Invoice finance | LendsSelective invoice finance | Range£250k–£10m | ReviewedAug 2026 |
| Bibby Financial Services | TypeAsset-based · Invoice finance | LendsInvoice discounting, invoice factoring, Asset-based lending (ABL) | Rangeup to £50m | ReviewedJul 2026 |
| BNP Paribas Commercial Finance | TypeAsset-based · Asset-based lending | LendsAsset based lending, invoice finance | Range£500k–£50m | ReviewedJun 2026 |
| Close Brothers Invoice Finance | TypeAsset-based · Asset finance & leasing | LendsInvoice discounting, factoring, asset-based lending (multi-asset revolving) | Range£350k–£3m | ReviewedJul 2026 |
| eCapital Commercial Finance | TypeAsset-based · Invoice finance | LendsInvoice finance (factoring / confidential discounting / selective / recruitment) + bad-debt protection | Rangeup to £4m | ReviewedJun 2026 |
| Kriya | TypeAsset-based · Invoice finance | LendsInvoice finance, B2B paylater / embedded lending | Rangeup to £5m | ReviewedJun 2026 |
| Leumi ABL | TypeAsset-based · Asset-based lending | LendsAsset-based lending (combined/structured), invoice discounting / receivables finance, stock / inventory finance | Range£3m–£100m | ReviewedJul 2026 |
| Novuna Business Cash Flow | TypeAsset-based · Invoice finance | LendsInvoice discounting, invoice factoring / spot factoring / selective + payroll finance + credit protection | Rangeup to £5m | ReviewedJun 2026 |
| Nucleus Commercial Finance | TypeAsset-based · Invoice finance | LendsInvoice finance (factoring & discounting) / asset-based lending | Rangeup to £50m | ReviewedAug 2026 |
| Optimum Finance | TypeAsset-based · Invoice finance | LendsInvoice finance | Rangeup to £6m | ReviewedJun 2026 |
| Praetura Commercial Finance | TypeAsset-based · Asset-based lending | LendsConfidential invoice discounting, stock revolver, plant and machinery term loan | Range£350k–£35m | ReviewedJul 2026 |
| Pulse Finance (formerly Pulse Cashflow Finance) | TypeAsset-based · Invoice finance | LendsInvoice factoring, invoice discounting, trade finance | Rangeup to £5m | ReviewedJul 2026 |
| Reward Finance Group | TypeAsset-based · Asset-based lending | LendsAsset-based lending (multi-asset), revolving credit facility, short-term property bridging (first and second charge) | Rangeup to £5m | ReviewedJul 2026 |
| Secure Trust Bank Commercial Finance | TypeAsset-based · Asset-based lending | LendsInvoice discounting / invoice finance (receivables), stock and inventory finance, plant, machinery and vehicle finance | Range£5m–£50m | ReviewedJul 2026 |
| Skipton Business Finance | TypeAsset-based · Invoice finance | LendsInvoice finance, asset based lending | Range£1m–£25m | ReviewedJun 2026 |
| Sonovate | TypeAsset-based · Invoice finance | LendsRecruitment / contract / SOW invoice funding | Range£1m–£10m | ReviewedJun 2026 |
| Time Finance plc | TypeAsset-based · Invoice finance | LendsInvoice factoring, confidential invoice discounting, hire purchase | Rangeup to £3.5m | ReviewedJul 2026 |
| Upstream ABL | TypeAsset-based · Asset-based lending | LendsStructured asset based lending, invoice finance, trade finance | RangeNot published | ReviewedAug 2026 |
Challenger & specialist banks7
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Aldermore Bank | TypeChallenger & specialist · Challenger banks | LendsAsset-based lending (ABL), invoice finance / receivables discounting, asset finance — hire purchase | Rangeup to £50m | ReviewedJul 2026 |
| Arbuthnot Latham | TypeChallenger & specialist · Private & merchant banks | LendsAsset-based lending (invoice discounting core), stock / inventory finance, plant-and-machinery finance | Range£1m–£35m | ReviewedJul 2026 |
| Close Brothers | TypeChallenger & specialist · Challenger banks | LendsAsset-based lending (ABL), invoice finance (factoring & discounting), asset/equipment finance (hire purchase, finance & operating lease, refinance) | Range£3m–£65m | ReviewedJul 2026 |
| Cynergy Bank | TypeChallenger & specialist · Challenger banks | LendsCommercial mortgage / investment & owner-occupier property lending, professional buy-to-let and mixed-use property finance, asset-based lending (receivables, inventory, plant & machinery, property) | Rangeup to £40m | ReviewedJul 2026 |
| Investec | TypeChallenger & specialist · Private & merchant banks | LendsBilateral senior debt, unitranche, subordinated / mezzanine debt | Rangeup to £100m | ReviewedJul 2026 |
| Metro Bank | TypeChallenger & specialist · Challenger banks | LendsSenior term loans, commercial mortgages, Asset-based lending (ABL) | Range£2m–£50m | ReviewedJul 2026 |
| Secure Trust Bank | TypeChallenger & specialist · Challenger banks | LendsAsset-based lending (multi-asset), invoice finance / invoice discounting, stock & inventory finance | Range£3m–£50m | ReviewedJul 2026 |
Private-credit & direct-lending funds1
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Praetura Lending | TypePrivate credit · Growth & venture debt | LendsBusiness / cash-flow & structured growth lending, ABL / invoice finance, asset finance | Rangeup to £35m | ReviewedJun 2026 |
A reference list drawn from each lender’s published material, informational and not a ranking or a recommendation. Each name links to the lender’s profile, where the sources are listed.