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Top £150,000 Invoice Finance Loans UK 2026: Compare Leading Lenders
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Top £150,000 Invoice Finance Lenders Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Established B2B firms with strong turnover and predictable invoicing cycles | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | B2B businesses of varying sizes needing flexible facility amounts | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 3 | eCapital | Smaller B2B firms needing fast access against modest invoice values | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Large B2B operators with substantial invoice books and high turnover | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Growing B2B companies needing mid-range facilities with quick setup | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | B2B firms needing urgent same-day working capital from unpaid invoices | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Startups and newer B2B ventures with limited trading history | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Apollo finance | Smaller B2B firms with modest invoice volumes seeking simple facilities | £20,000 to £350,000 | interest 6% to 14% annually |
| 9 | HSBC Bank | Established businesses preferring high-street bank invoice finance facilities | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 10 | Tide Bank | B2B firms wanting both factoring and discounting from a digital bank | £500 to £20,000,000 | interest 5% to 11.5% annually |
Invoice finance lets B2B businesses borrow against unpaid customer invoices, turning outstanding sales into immediate working capital instead of waiting 30 to 90 days for payment. This type of lending suits companies that sell on credit terms and need to bridge the gap between issuing invoices and receiving cash. A £150,000 facility can cover supplier payments, payroll, or new orders while the sales ledger runs on its normal cycle.
Comparing invoice finance lenders means looking beyond headline rates. The structure matters: factoring includes collection and credit control, while invoice discounting leaves chasing payments to you. Advance rates, typically 70 to 90 per cent of an invoice value, determine how much cash you actually receive. Some lenders charge monthly fees, others quote annual rates, so comparing total cost is essential. Also check minimum turnover thresholds, facility limits, and funding speed, especially if you need the full £150,000 released quickly.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Treyd
Published loan range£15,000 to £1,000,000
Rate typeinterest 1.4% to 2.5% monthly
Overview: Monthly interest charges start from 1.4%, keeping costs competitive when turning unpaid B2B invoices into working capital. Treyd funds within 24 hours and suits businesses that also need support with supplier payments or inventory tied to trade cycles. Approval depends on invoice quality and debtor concentration, so businesses with a narrow customer base may face tighter limits.
Best next step: Request a quote and unlock cash tied up in invoices.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds within 24 hours
- Monthly rates from 1.4%
- Supports supplier and inventory costs
Need to know
- Invoice quality affects approval
- Debtor concentration matters
- Narrow customer bases face tighter limits
Expert take
A trade-focused funder that bridges the gap between supplier payments and customer receipts. Businesses with inventory-heavy supply chains and B2B invoices on 30-to-90-day terms tend to get the fastest approvals here.
Source:https://www.treyd.io/
Finance for enterprise
Published loan range£1,000 to £2,000,000
Rate typeinterest 6.5% to 13.5% annually
Overview: With a published lending range from £1,000 to £2,000,000, this lender covers businesses at most stages of growth. Annual interest rates run between 6.5% and 13.5%, and funding typically lands within three days. The flexible drawdown structure works well for seasonal or repeat working-capital needs. A strong trading history and personal guarantee may be required.
Best next step: Check your eligibility and get a decision within days.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible drawdown structure
- Rates from 6.5% annually
- Lends from £1,000 to £2m
Need to know
- Strong trading history may be needed
- Personal guarantee may be required
- Limits can be reviewed or withdrawn
Expert take
A broad-spectrum lender comfortable across term loans, asset finance and invoice facilities. Businesses needing a £150,000 facility with flexible drawdown rather than a one-off advance will find the structure well matched.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Funding can arrive in as little as one hour, which helps businesses that cannot wait days or weeks to bridge a cash-flow gap. Annual interest sits between 7% and 14.5%, with facilities available up to £500,000. eCapital turns unpaid B2B invoices into immediate working capital. Suitability hinges on invoice quality and how concentrated your debtor book is.
Best next step: Apply now for same-day funding against outstanding invoices.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as one hour
- Facilities up to £500,000
- Turns invoices into immediate cash
Need to know
- Invoice quality is key
- Debtor concentration is scrutinised
- Not all invoices qualify for advances
Expert take
A speed-first funder built for businesses that cannot afford a working-capital gap. Companies with clean, diversified invoices and urgent cash needs are the natural fit for this facility.
Source:https://ecapital.com/en-gb/
WeDo Business Finance
Published loan rangeUp to £25,000,000
Rate typeinterest 3.5% to 9.5% monthly
Overview: Facilities reach up to £25,000,000, making this lender a strong fit for businesses with substantial invoice volumes. Monthly interest charges range from 3.5% to 9.5%, and funding can be released within 24 hours. The scale of available funding means growing businesses can increase their facility as their sales ledger expands. Approval turns on the quality of your receivables and debtor payment behaviour.
Best next step: See if your invoices qualify for a £150,000 facility.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £25m
- Funding within 24 hours
- Scales with your sales ledger
Need to know
- Receivable quality drives approval
- Debtor payment behaviour is assessed
- Monthly rates can reach 9.5%
Expert take
A high-capacity funder where facility size can scale with your sales ledger. Mid-market B2B businesses generating strong invoice volumes get the most from this lender's substantial ceiling.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: A revolving facility structure lets you draw against invoices repeatedly, suiting businesses with ongoing or seasonal working-capital needs. Annual rates run from 5.5% to 13.5%, with facilities up to £5,000,000 and funding available within 24 hours. Limits can be reviewed or adjusted, so usage patterns and debtor quality matter throughout the term.
Best next step: Explore revolving invoice finance with rates from 5.5% annually.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit facility
- Rates from 5.5% annually
- Funding within 24 hours
Need to know
- Limits subject to periodic review
- Costs may rise with usage
- Asset eligibility checks may apply
Expert take
A revolving-credit specialist that treats invoice finance as an ongoing facility, not a one-off transaction. Seasonal businesses and those with repeat working-capital cycles are the best match here.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: PennyFreedom releases funds in around two hours, helping businesses convert unpaid invoices into working capital without a lengthy wait. Annual interest charges fall between 7.5% and 15%, with facilities capped at £500,000. The speed of funding makes it a practical option when supplier payments or payroll cannot be delayed. Approval depends on invoice quality and debtor spread.
Best next step: Get funded in hours against your unpaid B2B invoices.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in around two hours
- Straightforward application process
- Facilities up to £500,000
Need to know
- Invoice quality is assessed
- Debtor spread matters
- Annual rates can reach 15%
Expert take
A rapid-access funder that prioritises turnaround time without overcomplicating the process. Small to mid-sized B2B businesses with straightforward invoices and immediate cash-flow pressure benefit most.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Its published range starts at £26,000 and reaches £3,000,000, covering businesses that need a meaningful working-capital facility with headroom to grow. Monthly interest runs from 3% to 9.5%, and funding lands within 24 hours. 4syte can also support asset-based lending and trade finance where invoice finance alone is not enough. Suitability depends on receivable quality and debtor concentration.
Best next step: Find out if your debtor book meets 4syte's criteria.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Asset-based lending available
- Trade finance also supported
Need to know
- Receivable quality is critical
- Debtor concentration is reviewed
- Complex needs may require layered facilities
Expert take
A multi-product lender that can layer asset-based lending and trade finance alongside invoice facilities. Businesses with complex funding needs beyond straightforward receivables finance will find the flexibility useful.
Source:https://www.4syte.co.uk/
Apollo finance
Published loan range£20,000 to £350,000
Rate typeinterest 6% to 14% annually
Overview: Annual interest charges range from 6% to 14%, keeping costs predictable when funding a working-capital need against unpaid B2B invoices. Apollo finance releases funds within 24 hours, with facilities available from £20,000 to £350,000. Approval depends heavily on the quality of your debtor book and how concentrated your customers are.
Best next step: Check your eligibility for invoice finance at competitive rates.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Annual rates from 6%
- Facilities from £20,000
Need to know
- Debtor book quality is assessed
- Customer concentration is reviewed
- Facility capped at £350,000
Expert take
A straightforward invoice finance provider with a focused lending band. B2B businesses with clean receivables and moderate facility needs are the core fit.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC brings the familiarity and stability of a high-street bank to invoice finance, with annual interest rates between 8.6% and 11.3%. Its sales ledger management service means the bank handles credit control and collections, freeing up your team. Funding typically takes 48 hours. Bank underwriting tends to be stricter, so a solid trading history and affordability profile are expected.
Best next step: Speak to HSBC about invoice finance with credit control included.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Sales ledger management included
- High-street bank stability
- Revolving credit available
Need to know
- Bank underwriting is stricter
- Strong trading history expected
- Affordability evidence is required
Expert take
A high-street institution that brings bank-grade stability to invoice finance, with the added benefit of outsourced credit control. Established B2B businesses comfortable with thorough underwriting are the natural fit.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide offers both invoice factoring and invoice discounting, giving businesses a choice between full credit control support or retaining customer-facing collections themselves. Annual rates run from 5% to 11.5%, with facilities spanning £500 to £20,000,000. Funding lands within 24 hours. Bank-style underwriting applies, so trading history and affordability evidence are likely needed.
Best next step: Compare Tide's factoring and discounting options for your business.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Factoring and discounting options
- Facilities up to £20m
- Funding within 24 hours
Need to know
- Bank underwriting applies
- Trading history is reviewed
- Security may be required
Expert take
A digital-first bank that gives businesses a genuine choice between full-service factoring and discreet invoice discounting. Companies that value product flexibility and clear pricing structures will find this appealing.
Invoice Finance Calculator
How invoice finance works for a £150,000 facility
A £150,000 invoice finance facility lets you unlock up to 90% of unpaid invoice value within 24 to 48 hours, rather than waiting 30, 60 or 90 days for customers to pay. You raise an invoice, send it to the lender, and they advance most of the cash upfront. The balance, minus their fee, is released once your customer settles the invoice.
For a £150,000 facility, you typically need around £167,000 in outstanding invoices to draw the full amount at 90% advance. eCapital publishes a maximum loan-to-value of 90%, so your debtor book size directly determines how much working capital you can access. Most lenders on this list offer revolving facilities, meaning the £150,000 limit resets as old invoices are paid and new ones are raised, giving you ongoing access to working capital without reapplying.
Invoice factoring vs invoice discounting for a £150,000 facility
At the £150,000 level, both factoring and discounting are viable options, but they differ in one key area: who chases your customers for payment. With factoring, the lender manages your sales ledger and collects from your debtors directly. With discounting, you keep credit control in-house and your customers may never know you are using finance.
Factoring typically suits businesses without a dedicated credit control team, while discounting is more common for established firms that want to keep supplier relationships confidential. HSBC Bank offers invoice finance with sales ledger management, while Tide Bank provides both factoring and discounting options. At £150,000, the fee difference between the two is usually marginal, so the decision often comes down to whether you want to outsource credit control or not.
Eligibility criteria for a £150,000 invoice finance facility
Most lenders on this list require a personal guarantee, regardless of facility size. Treyd, eCapital, Finance for enterprise, WeDo Business Finance and Time Finance all publish a personal guarantee requirement. Your trading history and turnover also matter. Treyd and WeDo Business Finance both look for at least £500,000 in annual turnover and one year of trading. eCapital accepts businesses from £60,000 turnover, making it more accessible for smaller firms. 4syte has a £300,000 minimum turnover and will consider startups with no trading history.
Your debtor quality is equally important. Lenders review who owes you money. A spread of creditworthy B2B customers is more attractive than one or two large debtors. At £150,000, your debtor book needs enough breadth to support the facility comfortably. Homeowner status is rarely a barrier here, though 4syte does list it as a requirement.
What a £150,000 invoice finance facility costs and how to compare rates
Invoice finance rates for a £150,000 facility split into annual and monthly structures depending on the lender. Finance for enterprise publishes rates from 6.5% to 13.5% annually. eCapital ranges from 7% to 14.5% annually, while PennyFreedom sits between 7.5% and 15% annually. Time Finance offers 5.5% to 13.5% annually, and HSBC Bank publishes 8.6% to 11.3% annually.
Monthly-rate lenders include Treyd at 1.4% to 2.5% per month, WeDo Business Finance at 3.5% to 9.5% per month, and 4syte at 3% to 9.5% per month. When comparing, convert monthly rates to an annual equivalent to get a like-for-like view. Beyond the headline rate, check for service fees, disbursement charges and minimum contract periods, as these can significantly affect the total cost of a £150,000 facility.
