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Top 10 Lenders to Secure a £500,000 Invoice Finance Loan in 2026
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Best Invoice Finance Lenders for a £500,000 Facility
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Established B2B firms seeking a flexible £500k invoice facility with monthly pricing | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | Mid-market businesses seeking invoice finance up to £2m with annual pricing | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 3 | eCapital | B2B firms needing rapid invoice funding with a facility capped at £500k | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Larger established businesses with monthly turnover above £500k seeking high-limit facilities | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Growing businesses needing an invoice finance facility that scales beyond £500k | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Firms seeking a £500k invoice facility with fast two-hour initial funding | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Businesses with £300k plus turnover seeking invoice funding with monthly pricing | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Flexabl | Included for comparison; suits businesses with £200k plus turnover and annual pricing | Not published | interest 5.5% to 12.5% annually |
| 9 | Tide Bank | Businesses considering invoice factoring alongside their existing banking relationship | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | HSBC Bank | Included for comparison; upper lending limit sits below the £500k target amount | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
Invoice finance lets businesses unlock cash tied up in unpaid invoices, rather than waiting for customers to pay. For established B2B companies, a £500,000 facility provides working capital that flexes with the sales ledger, making it a practical alternative to a fixed-term loan. This type of funding suits firms that trade on invoice terms and need to smooth cash flow while pursuing growth.
Comparing invoice finance lenders for a £500,000 facility goes beyond the headline interest rate. Businesses should weigh the advance rate, whether the facility is disclosed to customers, and whether the lender offers whole-ledger or selective invoice funding. Fee structures differ widely, with some providers charging a percentage of turnover and others applying a fixed service fee. The speed of setup and ongoing funding matters too, particularly for firms managing tight payment cycles.
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: Treyd charges interest from 1.4% to 2.5% per month on funds advanced against unpaid invoices, making costs predictable for businesses that need working capital before customers settle. It funds up to £1,000,000 and can also support inventory or supplier payments alongside invoice finance. Approval typically takes 24 hours. Suitability depends heavily on debtor quality and customer payment patterns.
Best next step: Access invoice finance plus supplier payment support.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Converts unpaid invoices into working capital quickly
- Also supports inventory and supplier payments
- Funding available within 24 hours
Need to know
- Suitability depends on debtor quality
- Customer payment behaviour affects terms
- Monthly interest rate, not annual
Expert take
A trade-focused invoice financier that suits importers and product businesses. For a £500,000 facility, its ability to cover stock and supplier payments alongside receivables gives growing B2B firms extra headroom that standard invoice finance may not provide.
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: Finance for enterprise offers invoice finance facilities from £1,000 to £2,000,000, with annual rates between 6.5% and 13.5%. It funds established B2B businesses that trade on credit terms with reliable customers. Cash reaches your account in around three days. The lender also provides asset finance and revolving credit, useful if your working capital needs extend beyond receivables. Expect affordability checks and possibly a personal guarantee.
Best next step: Combine invoice finance with asset-based lending if needed.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad lending range up to £2,000,000
- Annual interest rates from 6.5%
- Also offers asset finance and revolving credit
Need to know
- May require a personal guarantee
- Funding takes around three days
- Trading history and affordability checked
Expert take
A multi-product commercial finance provider built for mid-sized UK businesses. For a £500,000 invoice finance facility, the blend of receivables funding with optional asset finance and revolving credit makes it a practical choice if your working capital needs span more than one area.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: eCapital can release funds in as little as one hour against unpaid B2B invoices, making it one of the quickest routes to working capital on this list. Annual interest runs from 7% to 14.5% on facilities up to £500,000. The lender works with established businesses that have creditworthy customers on their sales ledger. Suitability hinges on invoice quality and debtor concentration.
Best next step: Speedy invoice funding in as little as one hour.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds released in as little as one hour
- Annual rates starting from 7%
- Straightforward invoice finance for B2B firms
Need to know
- Facility cap of £500,000
- Suitability depends on debtor quality
- Invoice concentration may affect terms
Expert take
A lean, speed-driven invoice financier built for businesses that cannot wait days for funding. A £500,000 facility lands at eCapital's upper limit, so clean debtors and low concentration risk become especially important for approval.
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: WeDo Business Finance arranges invoice facilities up to £25,000,000, with monthly interest from 3.5% to 9.5%. For a £500,000 requirement, the lender's considerable headroom means your facility can scale as your sales ledger grows. Funding is typically available within 24 hours. The lender suits established B2B businesses trading on invoice terms with dependable customers. Invoice quality and debtor spread remain key underwriting factors.
Best next step: Scalable invoice finance with 24-hour funding turnaround.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities available up to £25,000,000
- Funding within 24 hours
- Facility can grow with your ledger
Need to know
- Monthly interest, not annual rate
- Invoice quality affects eligibility
- Debtor concentration is scrutinised
Expert take
A high-capacity invoice finance provider with room to accommodate growing mid-market businesses. For a £500,000 facility, WeDo's scale means your funding line can expand as your receivables book increases, rather than hitting a ceiling prematurely.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Time Finance structures invoice facilities with flexible drawdown, meaning you only access funds when invoices are raised and only pay for what you use. Annual rates start at 5.5%, with facilities available up to £5,000,000. Funding can reach your account within 24 hours. The lender also offers asset finance and revolving credit for businesses whose working capital needs extend beyond receivables alone. Limits may be reviewed and costs can rise with heavier usage.
Best next step: Flexible drawdown with annual rates from 5.5%.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Pay only for funds you draw
- Annual rates starting at 5.5%
- Also offers asset and revolving credit
Need to know
- Limits can be reviewed or reduced
- Costs may increase with usage
- Asset eligibility checks may apply
Expert take
A flexible-drawdown invoice financier that rewards disciplined working capital management. For a £500,000 facility, the pay-as-you-use structure keeps costs lower during quiet periods while leaving headroom for seasonal or growth-driven spikes in receivables.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: PennyFreedom charges annual interest from 7.5% to 15% on invoice finance facilities up to £500,000, with funds available in as little as two hours. The lender is geared toward B2B businesses that need rapid access to cash tied up in unpaid invoices from creditworthy customers. Suitability rests on the quality of your receivables and the spread of your debtor book. This is a straightforward invoice finance option without additional lending products.
Best next step: Rapid invoice funding at annual rates from 7.5%.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds released in as little as two hours
- Annual interest from 7.5%
- Simple invoice finance without extras
Need to know
- Maximum facility of £500,000
- Debtor quality determines eligibility
- No additional lending products available
Expert take
A no-frills invoice financier that prioritises speed and simplicity. At £500,000, PennyFreedom's ceiling matches the target facility exactly, so the sales ledger must be robust enough to support a full-limit approval with clean debtor profiles.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: 4syte funds invoice finance facilities from £26,000 to £3,000,000, with monthly interest between 3% and 9.5%. It also supports trade finance and asset-based lending, which can help businesses whose working capital needs go beyond straightforward invoice discounting. Funding is typically available within 24 hours. The lender favours established B2B firms with well-spread debtor books. Security requirements may apply, and legal or valuation costs should be budgeted for.
Best next step: Invoice finance paired with asset-based lending options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities available up to £3,000,000
- Trade and stock finance also offered
- Funding within 24 hours
Need to know
- Monthly interest, not annual
- Security and legal costs may apply
- Debtor spread affects eligibility
Expert take
A secured-lending specialist that bridges invoice finance with broader asset-based facilities. For a £500,000 arrangement, 4syte's trade and stock finance add-ons give importers, manufacturers and wholesalers a more complete working capital package than invoice discounting alone.
Source:https://www.4syte.co.uk/
Flexabl
Published loan rangeNot published
Rate typeinterest 5.5% to 12.5% annually
Overview: Flexabl provides invoice finance with annual rates from 5.5% to 12.5% and a 24-hour funding turnaround. The lender targets B2B businesses holding unpaid invoices from creditworthy customers. Its published loan range is not disclosed, so a £500,000 facility would need direct confirmation of appetite. Suitability depends on invoice quality, debtor concentration and customer payment patterns.
Best next step: Annual-rate invoice finance with 24-hour funding.
More info
Company stats
Eligibility
Rates and debtor rules
Benefits
- Annual rates starting at 5.5%
- Funds available within 24 hours
- Straightforward invoice finance product
Need to know
- Loan range not publicly disclosed
- Debtor quality drives eligibility
- Customer payment behaviour matters
Expert take
A discreet invoice finance provider with competitive annual pricing. The lack of a published loan range means a £500,000 facility requires direct confirmation of appetite, but the rate structure suggests it targets creditworthy B2B receivables rather than higher-risk ledgers.
Source:https://www.flexabl.co.uk/
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide Bank delivers invoice finance through both factoring and discounting, with annual rates from 5% to 11.5% and facilities spanning £500 to £20,000,000. The bank brand may appeal to businesses that prefer working with a regulated deposit-taker over specialist lenders. Funding is typically released within 24 hours. Bank underwriting tends to be more thorough than alternative finance providers, so expect detailed affordability checks and possibly a personal guarantee.
Best next step: Bank-backed invoice factoring and discounting from Tide.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Regulated bank with strong brand recognition
- Both factoring and discounting available
- Facilities up to £20,000,000
Need to know
- Bank underwriting can be stricter
- May require a personal guarantee
- Detailed affordability checks expected
Expert take
A digital-first bank that brings invoice finance under a familiar high-street-style brand. For a £500,000 facility, Tide's factoring option includes sales ledger management, which suits businesses that want to outsource credit control alongside accessing working capital.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC offers invoice finance with sales ledger management, charging annual interest from 8.6% to 11.3%. The bank's published facility range runs to £300,000, so a £500,000 requirement may exceed its standard invoice finance appetite. Funding takes around 48 hours, slower than specialist providers. HSBC also offers asset finance, revolving credit and trade finance, which could supplement a core working capital arrangement. Bank underwriting is thorough and may require strong trading history.
Best next step: Bank invoice finance with full sales ledger management.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Major high-street bank brand
- Includes sales ledger management
- Trade and asset finance also available
Need to know
- Published maximum of £300,000
- Funding takes around 48 hours
- Strict bank underwriting applies
Expert take
A mainstream banking giant whose invoice finance product includes hands-on sales ledger management. The £300,000 published ceiling sits below the £500,000 target, so HSBC may route larger requirements through its commercial or corporate lending teams rather than standard invoice finance.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Invoice Finance Calculator
How a £500,000 invoice finance facility works as an alternative to a loan
Unlike a traditional business loan, a £500,000 invoice finance facility does not involve borrowing a fixed sum and repaying it in instalments. Instead, the lender advances you a percentage of your unpaid invoices, typically up to 90% of their value, releasing cash that would otherwise be tied up for 30 to 90 days.
The £500,000 figure is your facility limit, not a loan balance. You draw funds only when you need them, and the available amount rises and falls with your sales ledger. As your business invoices more, the facility can grow with you, without requiring a fresh application.
This makes invoice finance particularly useful for established B2B companies with strong debtor books that need flexible working capital rather than a fixed-term loan. You retain control over how much you draw and when, paying fees only on the funds you actually use.
Eligibility requirements for a £500,000 invoice finance facility
Lenders set minimum turnover thresholds to ensure your business can support a £500,000 facility. Treyd and WeDo Business Finance both require at least £500,000 in annual turnover. 4syte asks for £300,000, while Flexabl sets the bar at £200,000. eCapital accepts lower turnover, with a £60,000 minimum.
Trading history matters too. Treyd requires a minimum of one year of trading, which is typical among high-street invoice finance providers. Most lenders on this list also expect your business to be trading on credit terms with other businesses, not consumers.
Personal guarantees are standard across all lenders reviewed here. You will also need a spread of creditworthy debtors. Lenders will assess your customers' payment history, not just your own, because the facility is secured against their invoices. A single large customer representing most of your ledger may limit how much a lender is willing to advance.
What a £500,000 invoice finance facility costs
| Lender | Rate type | Typical rate range |
|---|---|---|
| Treyd | interest | 1.4% to 2.5% monthly |
| 4syte | interest | 3% to 9.5% monthly |
| WeDo Business Finance | interest | 3.5% to 9.5% monthly |
| Time Finance | interest | 5.5% to 13.5% annually |
| Finance for enterprise | interest | 6.5% to 13.5% annually |
Monthly-rate facilities from Treyd start at 1.4% per month, while WeDo Business Finance and 4syte sit higher, from 3% to 9.5% per month. Annual-rate providers are clustered between 5.5% and 15% per year, with Time Finance starting at 5.5% annually and PennyFreedom reaching up to 15% annually.
Rates depend on your debtor quality, invoice volumes, and the specific structure you choose. Factoring, where the lender also manages your sales ledger, often costs more than invoice discounting, where you retain control of collections. Always ask for a full breakdown of service fees alongside the headline rate.
Choosing the right structure for your £500,000 invoice finance facility
Not all £500,000 facilities work the same way. The first decision is between factoring and invoice discounting. Factoring includes credit control and collections; the lender chases your customers for payment, which can free up your team but may be visible to clients. Invoice discounting lets you keep control of collections, so your customers never know a lender is involved.
The second choice is between whole turnover and selective facilities. Whole turnover means every invoice is financed, which can maximise your available funds. Selective facilities let you pick which invoices to advance, useful if you have a few large-value debtors.
Also check whether the facility is confidential. Some lenders offer fully confidential arrangements where your customers are unaware of the finance. This matters if you worry about client perception. Finally, ask how the facility limit is reviewed. The best structures allow your £500,000 limit to increase as your ledger grows, without needing a full new application.
