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Top 10 Lenders for £350,000 Invoice Finance in the UK (2026)
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Top 10 Invoice Finance Lenders for a £350,000 Facility
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Growing B2B firms needing scalable funding against trade receivables | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | Businesses seeking flexible invoice facilities from modest to seven-figure sums | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 3 | eCapital | SMEs with moderate turnover requiring rapid invoice-backed funding | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Established companies needing high-value invoice finance at scale | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | PennyFreedom | Small to mid-sized firms wanting fast-access invoice funding | Up to £500,000 | interest 7.5% to 15% annually |
| 6 | Time Finance | Mid-market businesses needing a flexible facility up to seven figures | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 7 | 4syte | Businesses with steady trade receivables and turnover above £300,000 | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Kriya Finance | Companies with at least three years of trading and consistent invoicing | Up to £500,000 | interest 5.49% to 10.59% annually |
| 9 | Tide Bank | Firms wanting a digital-first banking partner for invoice factoring | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | HSBC Bank | Included for comparison for businesses exploring high-street bank options | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
Invoice finance lets a business borrow against the value of unpaid customer invoices, converting the sales ledger into immediate working capital. For a company needing £350,000, this facility scales with turnover — the more you invoice, the more you can draw — suiting growing firms with strong B2B trade receivables. At this level, businesses typically use a facility of this size to bridge the gap between fulfilling large orders and collecting payment, protecting cash flow without surrendering equity.
Comparing invoice finance lenders involves more than looking at the lowest headline rate. For a £350,000 facility, weigh the advance rate — the percentage of each invoice funded upfront — since a small difference at this level can mean tens of thousands in accessible cash. Also check whether the facility is disclosed to your customers or runs confidentially, which affects client relationships and credit control. Funding speed, facility structure, and minimum turnover requirements all vary meaningfully across the top lenders in this segment.
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 starting at 1.4% makes this one of the more cost-effective options for invoice finance at this level. Treyd funds up to £1m against unpaid B2B invoices, releasing cash within 24 hours. The structure can also support supplier payments and trade cycles. Suitability depends heavily on debtor quality and concentration.
Best next step: Compare Treyd invoice finance rates and terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Converts unpaid invoices into working capital fast
- Supports supplier payments and trade cycles
- Funding available within 24 hours
Need to know
- Approval depends on debtor quality
- Customer payment behaviour affects terms
- Rates quoted as monthly, not annual
Expert take
A trade-focused invoice finance specialist that also supports supplier payments. For a £350,000 facility, competitive pricing depends heavily on debtor strength. Best for B2B firms with reliable customers.
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: Facilities run from £1,000 to £2m with annual rates starting at 6.5%. Funding typically completes within three days. The flexible drawdown structure works well for seasonal or repeat working-capital needs. Lighter trading histories may face stricter affordability checks.
Best next step: See if Finance for enterprise suits your facility.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad facility range suits most B2B needs
- Flexible drawdown for seasonal cash flow
- Annual rates from 6.5 per cent
Need to know
- May require a personal guarantee
- Limits can be reviewed or withdrawn
- Costs may rise with higher usage
Expert take
A generalist working-capital lender with a wide product set. The drawdown flexibility suits businesses managing uneven payment cycles at the £350,000 level. Stronger trading histories will typically secure better pricing.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Funding in as little as one hour makes eCapital one of the fastest options for invoice finance at this scale. The facility cap reaches £500,000 with annual rates from 7%. It is a straightforward choice for B2B businesses that need to convert unpaid invoices into working capital quickly. Approval hinges on invoice quality and debtor payment behaviour.
Best next step: Check eCapital invoice finance eligibility and rates.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds available in as little as one hour
- Annual rates starting from 7 per cent
- Straightforward B2B invoice finance model
Need to know
- Invoice quality heavily influences approval
- Debtor concentration checks apply
- Facility capped at £500,000
Expert take
A speed-driven invoice finance provider that prioritises fast access to cash. Clean ledgers and prompt-paying customers will speed underwriting at the £350,000 level. Mixed debtor books face closer review.
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: A facility ceiling of £25m signals serious scale for invoice finance. Monthly rates start at 3.5% and funding can land within 24 hours. WeDo suits B2B businesses seeking a comparison option with broad capacity. Debtor concentration and invoice quality will shape the final terms.
Best next step: Explore WeDo Business Finance invoice finance options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Large facility capacity up to £25 million
- Funding typically within 24 hours
- Monthly rates from 3.5 per cent
Need to know
- Rates quoted as monthly, not annual
- Debtor concentration affects final terms
- Invoice quality shapes underwriting decisions
Expert take
A high-capacity invoice finance provider built for growing businesses. Monthly rates need comparing against annual equivalents to gauge true cost. The scale of their lending book suits firms expecting to expand.
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: PennyFreedom can release funds within two hours, which is notable for a £350,000 invoice finance facility. Annual rates start at 7.5% with a cap of £500,000. The lender offers a simple route for B2B firms converting receivables into working capital. Invoice quality and customer payment patterns determine eligibility.
Best next step: Find out if PennyFreedom fits your cash-flow needs.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as two hours
- Annual rates from 7.5 per cent
- Simple receivables-to-cash conversion
Need to know
- Facility capped at £500,000
- Invoice quality determines eligibility
- Customer payment patterns affect approval
Expert take
A quick-access invoice finance provider built for speed. Well-documented invoices and reliable debtors keep the process moving at the £350,000 level. Two-hour funding is a genuine differentiator for urgent cash-flow gaps.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Time Finance structures invoice finance facilities up to £5m with annual rates from 5.5%, and funding within 24 hours. The flexible drawdown model suits businesses with seasonal or repeat working-capital cycles. It also covers asset finance and revolving credit for broader funding needs. Limits can be reviewed or adjusted over time.
Best next step: Compare Time Finance invoice and asset finance rates.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible drawdown suits seasonal businesses
- Annual rates from 5.5 per cent
- Also covers asset finance options
Need to know
- Limits can be reviewed or withdrawn
- Costs may increase with usage
- Funding tied to specific asset eligibility
Expert take
A multi-product lender that pairs invoice finance with asset-based lending. Firms with lumpy revenue patterns gain most from the flexible drawdown structure. Asset quality determines where rates land within a competitive range.
Source:https://www.timefinance.com/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Monthly rates from 3% make 4syte a cost-conscious option for invoice finance at the £350,000 level. The facility range spans £26,000 to £3m, with funding available within 24 hours. It can also support trade cycles and asset-based lending for larger requirements. Requires suitable security and may involve legal costs.
Best next step: Review 4syte invoice finance terms and eligibility.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 3 per cent
- Facility range up to £3 million
- Funding within 24 hours
Need to know
- Requires suitable security for larger facilities
- Legal or valuation costs may apply
- Invoice and debtor quality underpin approval
Expert take
A cost-conscious invoice finance option with a low entry rate. At £350,000, the monthly pricing structure can work well for short-term use. Security requirements scale with facility size.
Source:https://www.4syte.co.uk/
Kriya Finance
Published loan rangeUp to £500,000
Rate typeinterest 5.49% to 10.59% annually
Overview: Kriya Finance can fund within 12 hours, making it one of the quicker routes to a £350,000 invoice finance facility. Annual rates start at 5.49% with a cap of £500,000. It suits B2B firms needing straightforward working capital or growth funding. A strong trading history may be required alongside debtor quality checks.
Best next step: See Kriya Finance invoice finance funding speeds.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within 12 hours
- Annual rates from 5.49 per cent
- Straightforward working capital solution
Need to know
- Strong trading history often required
- Personal guarantee may be needed
- Debtor concentration affects terms
Expert take
A fast, digital-first invoice finance provider suited to growth-minded B2B firms. At £350,000, businesses with established trading records will get the best results. The speed-to-funding edge is a genuine differentiator.
Source:https://www.kriya.co/
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: As a mainstream bank with broad product coverage, Tide offers invoice finance from £500 to £20m. Annual rates start at 5% and funding can complete within 24 hours. The factoring and discounting options suit B2B businesses wanting a recognised provider. Bank underwriting can be slower and stricter than alternative lenders.
Best next step: Check Tide Bank invoice finance rates and requirements.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad facility range up to £20 million
- Annual rates from 5 per cent
- Factoring and discounting options available
Need to know
- Bank underwriting can be slower
- Stricter eligibility than alternative lenders
- May require a personal guarantee
Expert take
A recognised banking brand with invoice finance at scale. Rate competitiveness at the £350,000 level is attractive. Thorough underwriting suits established B2B firms that value brand familiarity over speed.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC brings bank-grade invoice finance with sales ledger management to the £350,000 bracket, though its published range tops out at £300,000 — worth verifying directly. Annual rates run from 8.6% with funding in around 48 hours. The revolving credit structure suits businesses needing ongoing working capital support. Expect stricter bank underwriting and possible personal guarantee requirements.
Best next step: Review HSBC invoice finance eligibility and terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Includes sales ledger management
- Revolving credit structure available
- Broad product set beyond invoice finance
Need to know
- Published range caps at £300,000
- Bank underwriting is typically stricter
- Personal guarantee may be required
Expert take
A high-street banking option with deep product breadth. The published range may not stretch to £350,000 — direct confirmation is essential. Suits businesses wanting a full-service banking relationship alongside invoice finance.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Invoice Finance Calculator
How invoice finance works for a £350,000 facility
Invoice finance lets you draw cash against unpaid invoices instead of waiting 30 to 90 days for customer payment. At £350,000, you are typically looking at a whole turnover facility where the lender advances a percentage of your outstanding sales ledger each month.
Most lenders on this list advance up to 90% of invoice value. eCapital confirms a maximum loan-to-value of 90%, while 4syte offers up to 75%. The remaining balance is released once your customer pays, minus the lender's fees.
With a £350,000 facility, the lender may take on credit control if you choose factoring, or you retain it with invoice discounting. The core benefit at this facility size is predictable cash flow, helping you cover supplier payments, wages, and growth without waiting on debtor payments.
Comparing interest rates on a £350,000 invoice finance facility
At £350,000, the cost of invoice finance varies significantly between lenders. Some charge monthly interest while others quote annual rates. Monthly rates below 5% are common among specialist providers, while annual rates from 5% upwards are typical for banks and larger funders.
| Lender | Rate type | Typical rate range |
|---|---|---|
| Treyd | Monthly interest | 1.4% to 2.5% per month |
| Time Finance | Annual interest | 5.5% to 13.5% annually |
| Tide Bank | Annual interest | 5% to 11.5% annually |
| eCapital | Annual interest | 7% to 14.5% annually |
| 4syte | Monthly interest | 3% to 9.5% per month |
The rate you receive depends on your debtor book quality, sector, and facility size. A £350,000 facility typically attracts more competitive pricing than smaller lines. Always check whether the quoted rate includes service fees and disbursements, as these can add materially to the overall cost.
What lenders assess when approving £350,000 invoice finance
At £350,000, lenders assess your sales ledger more than your balance sheet. Most want to see a spread of creditworthy debtors rather than concentration on one or two large customers.
Turnover expectations differ across the market. eCapital requires a minimum turnover of £60,000, while Treyd and WeDo Business Finance look for at least £500,000. Several lenders, including Finance for enterprise, PennyFreedom and Time Finance, do not publish a minimum turnover figure.
Most lenders require a personal guarantee. Every lender on this list that publishes PG data confirms it is needed. Homeowner status is less critical: only 4syte and Kriya Finance specify it as a requirement. Trading history also varies. Tide Bank and 4syte accept startups from day one, while Kriya Finance requires three years of trading.
Factoring vs discounting for a £350,000 invoice finance facility
At this funding level, both factoring and invoice discounting are viable. Factoring includes credit control: the lender chases your debtors on your behalf. This suits businesses without an in-house credit team. Invoice discounting keeps collections under your control, which is preferred if you want to maintain direct customer relationships.
Several lenders on this list offer both structures. Tide Bank provides factoring and discounting, while HSBC Bank includes sales ledger management within its invoice finance product.
For a £350,000 facility, discounting can be more cost-effective if you have a strong credit control function. Factoring may be worth the extra cost if chasing payments drains your time. The choice often comes down to whether you want your customers to know you are using a funder, as factoring is typically disclosed while discounting can be confidential.
