Investly Reviews

Investly provides efficient invoice financing with positive reviews highlighting its user-friendly platform and reliable service for businesses seeking quick cash flow solutions.

Here are the Trustpilot Reviews from Investly:

Here are the Reviews from Investly:

in I'd call it more or less 5*; in it's... quite a bit lower. Significant lag on lending (lack of deal flow, too many investors, not enough invoices) but all in all it works well for short-term loans with good recovery rates on the loans. Should be my favourite place to put money but for the slowness (in ) Would love to see them find another market to operate in as Estonia seems not to be able to provide the demand they need!

Glen Mehn

We are a small business with seasonal trade from large companies - and Investly did exactly what they said they would! We got a great deal on the invoice that was auctioned and the platform was simple and intuitive and the support from the Investly team made the whole process painless. Payment was made very swiftly and we will certainly use their services again - probably very soon!

Lorraine Whinn

Used Investly to invoice finance my deals and can honestly say the process was quick and easy to set up along with payment the same week as long as the customer approves invoice. Also gives a good check on customers who have a bad rating which we pass on.

Sean McWilliams

Writing this from my point of view as a lender on the Investly platform. When everything is going smoothly this service is pretty good. Money goes in, more money comes out. What's not to like? The problems start when an invoice isn't repaid on time. Now, as with any platform of this nature, bad debt and late repayments can and do happen. That's the risk one has to accept to get those higher returns. However, Investly seem poorly prepared for debt management, from at least a customer service point of view, and because of the poor communications it seems like they're pretty poor at enforcement and collection as well.

Craig R Webster

What a brilliant first experience as an invoice financing client. We've been looking for a way to balance the needs of our ad-hoc web development clients - giving broader payment terms - with our own needs as a growing business of gaining fast access to monies earned. Previously, we invoiced all clients on seven day terms. While we offer clients a way to track their spending ahead of an invoice being generated, small business owners are busy and from experience haven't time to log in and view a pending balance as it builds during a month. This led to clients receiving a bill for more than anticipated and having only one week to cover. Stress; something which we aim to avoid; not create!

Mark Newby - Webwarecare

My business was looking to release some funding tied up in an invoice for the development of an app. Nick and Priit were superb throughout the process and kept me informed of progress at all stages and made it very easy and smooth. Would definitely recommend them and would use them again.

Al Mullen

Explore Investly's Finance Solutions:

Selective Invoice Finance

£1,000 - £500,000 per invoice (up to 90% advance)

Buyer-Led Supply Chain Finance (SCF) Programme

£5,000 - £5,000,000 aggregate programme size; suppliers can draw up to 100% invoice value

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Explore Investly's Finance Solutions:

Loan Type:

Selective Invoice Finance

Loan Range:

£1,000 - £500,000 per invoice (up to 90% advance)

Loan Terms:

15 - 120 days (until invoice due date; extensions possible case-by-case)

Minimum Turnover and Trading Age:

6+ months trading and minimum £50,000 annual turnover (guideline)

Interest Rate:

0.5% - 2.0% of invoice value per 30 days (discount fee) equivalent to c.7%-24% APR

Fees:

Arrangement fee: 1%-2% of gross invoice value (one-off); Discount/interest fee as above; No early repayment fee (invoice can be repaid any time before due date and interest stops accruing)

Loan Type:

Buyer-Led Supply Chain Finance (SCF) Programme

Loan Range:

£5,000 - £5,000,000 aggregate programme size; suppliers can draw up to 100% invoice value

Loan Terms:

30 - 180 days (aligned with buyer’s payment terms)

Minimum Turnover and Trading Age:

Typically £2m+ turnover for anchor (buyer); no minimum for individual suppliers once programme live

Interest Rate:

Dynamic discount rate starting from 0.3% per 30 days (effectively 3.6% APR) negotiated with anchor buyer

Fees:

Platform set-up fee for anchor buyer (undisclosed); Suppliers pay discount fee only when opting for early payment; no arrangement fees for suppliers

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More About Investly

Investly Ltd is a fintech lender established in 2014 that specialises in invoice finance and supply-chain finance for UK and European SMEs. It operates an online marketplace model and is authorised and regulated by the Financial Conduct Authority (FCA). Investly may suit SMEs looking for selective, fast invoice finance or mid-market corporates seeking buyer-led supply chain finance. For a broader view on invoice finance, visit our invoice finance overview and Top Invoice Finance Lenders UK.

Key Features of Investly

Investly offers a digital-first platform with transparent pricing and integration capabilities designed for convenient and flexible invoice funding.

Digital onboarding and funding entirely online via the online application portal.
Clear fee structure based on invoice value and days outstanding, viewable on the real-time dashboard.
Integration APIs and direct plug-ins for Xero, Sage Business Cloud, and QuickBooks.

Funding Eligibility

You may qualify for funding with Investly if your business has a minimum trading history of six months and annual turnover of at least £50,000 for invoice finance. Anchor buyers in supply chain finance programmes typically require at least two years of audited accounts and a strong credit profile. Familiarise yourself with eligibility checks and funding criteria guides to confirm your suitability.

Loan Options

Investly provides two main finance solutions tailored to business needs: selective invoice finance for SMEs and buyer-led supply chain finance programmes for larger suppliers.

Selective Invoice Finance: financing from £1,000 to £500,000 per invoice with funding up to 90%. Terms range from 15 to 120 days with interest rates of 0.5% to 2.0% per 30 days, equivalent to around 7% to 24% APR. No long-term contracts are required.
Buyer-Led Supply Chain Finance Programme: aggregate funding from £5,000 to £5,000,000. Suppliers may draw up to 100% of invoice value. Terms align with buyers’ payment periods from 30 to 180 days. Discount rates start from 0.3% per 30 days, dependent on buyer risk.

How to Apply

Investly’s application process is entirely online, featuring automated credit checks and an expected fast decision and funding timeline upon document submission.

Submit your application online with company registration and director ID.
Provide recent management accounts, bank statements, and invoice details to support credit assessments.
Await decision, typically within 24-48 hours after full documentation is received.
Sign electronically and receive funding, often within 1-3 business days for the first invoice.

Funding Agent’s view on Investly

Investly’s niche focus on technology-enabled invoice and supply chain finance suits SMEs seeking flexible, single-invoice funding without contracts, and mid-market firms supporting suppliers through SCF. It does not offer term loans or asset finance. Explore our business finance tools and invoice finance calculator for further assessment and comparisons.