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Top 10 UK Lenders for £700,000 Invoice Finance in 2026
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Top 10 lenders for a £700,000 invoice finance loan
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Established businesses needing a mid-to-large facility with quick setup | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | Businesses comparing flexible facilities from £1,000 to £2 million | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 3 | eCapital | Included for comparison; suits smaller facilities up to £500,000 | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Larger businesses needing facilities well beyond £700,000 | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Growing companies wanting a facility up to £5 million with annual pricing | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Included for comparison; supports smaller invoice finance needs | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Businesses of all trading ages needing £26,000 to £3 million | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Finance monmouth group | Wide-ranging facilities from £10,000 up to £10 million | £10,000 to £10,000,000 | interest 6% to 13.5% annually |
| 9 | Tide Bank | Businesses considering a bank-backed factoring facility at scale | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | HSBC Bank | Included for comparison; suited to smaller invoice finance requirements | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
Invoice finance lets businesses unlock cash tied up in unpaid invoices. A lender advances a percentage — often 80 to 90% — of each invoice, so you do not wait weeks for payment. For growing businesses with substantial sales ledgers, it provides working capital without taking on term debt. A facility of £700,000 can bridge the gap between fulfilling large orders and receiving customer payments.
Comparing lenders for a £700,000 invoice finance facility goes well beyond headline rates. Look at the advance rate — how much of each invoice you receive upfront — and whether the facility is disclosed to your customers (factoring) or confidential (invoice discounting). For larger facilities, service levels, credit control support and sector experience matter as much as cost. Some lenders also offer bad debt protection as part of the package.
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: With monthly rates starting at 1.4%, Treyd keeps the cost of a larger invoice finance facility manageable for mid-market importers and product-led businesses. It funds against unpaid B2B invoices and can also support supplier payments and inventory cycles. The trade-off is that pricing depends heavily on debtor quality and how concentrated your sales ledger is.
Best next step: Competitive monthly rates for larger facilities.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 1.4% on drawn funds
- Funds supplier payments as well as invoices
- Facility range extends to £1,000,000
Need to know
- Pricing tied to debtor quality
- Concentration limits may apply
- Suited to B2B trading businesses
Expert take
Treyd operates at the intersection of invoice finance and trade funding, serving importers and product-led businesses. For a £700,000 facility, the monthly pricing model works well when your debtor book is diverse and your customers pay reliably.
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 lends across multiple product types, which means a £700,000 invoice finance facility can sit alongside asset finance or a revolving credit line if your business needs blended funding. Annual rates run from 6.5% to 13.5%, and funding typically completes within three working days. Expect to provide trading history and possibly a personal guarantee.
Best next step: Blends invoice finance with asset-backed lending.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 6.5% for stronger cases
- Blends with asset finance if needed
- Funding within three working days
Need to know
- Trading history evidence required
- Personal guarantee may be needed
- Costs rise with higher usage
Expert take
Finance for enterprise takes a relationship-led approach, structuring facilities around how a business actually trades rather than a single product silo. A £700,000 invoice line here works best when your working capital needs span debtor finance and asset-backed lending.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Speed is eCapital's calling card — funding lands within an hour of invoice approval, with annual rates between 7% and 14.5%. The facility cap is £500,000, so it works better for businesses that want rapid advances against a portion of their ledger rather than a single £700,000 arrangement.
Best next step: Fastest funding on this list at one hour.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within one hour of approval
- Annual rates from 7%
- Streamlined digital onboarding process
Need to know
- Maximum facility is £500,000
- Debtor quality assessed closely
- Not suitable as sole £700k solution
Expert take
eCapital is a speed-first funder built for businesses that cannot wait days for a decision. For a £700,000 requirement, it may serve as a fast-access bridge while a larger facility is arranged elsewhere.
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 funding ceiling of £25 million gives WeDo Business Finance the balance-sheet depth to support growing B2B businesses whose invoice finance needs may scale over time. Monthly rates start at 3.5%, and funding can be in place within 24 hours. The lender works across a broad spread of sectors, though monthly pricing means costs accumulate quickly if customers pay slowly.
Best next step: High-capacity lender with rapid setup.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facility cap extends to £25 million
- Funding available within 24 hours
- Broad B2B sector acceptance
Need to know
- Monthly rate structure applies
- Costs rise with slow-paying debtors
- Credit assessment on your customers
Expert take
WeDo Business Finance is a high-capacity funder whose £25 million ceiling signals a lender comfortable with mid-market and larger facilities. A £700,000 line here benefits from that institutional scale — underwriting is geared to growing businesses, not micro-enterprises.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Time Finance structures invoice lines as part of a wider working capital toolkit that includes revolving credit and asset finance. For a £700,000 facility, this means you can draw against invoices and other assets under one relationship. Annual rates run from 5.5% to 13.5%, with funding typically live within a day.
Best next step: Multi-product lender with annual pricing.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5.5%
- Combines with asset and revolving credit
- Funding live within 24 hours
Need to know
- Limits may be reviewed periodically
- Asset eligibility checks apply
- Costs increase with higher usage
Expert take
Time Finance operates a multi-product model for businesses whose working capital needs go beyond debtor finance. A £700,000 invoice facility here gains flexibility from the ability to add asset-backed or revolving lines as the business grows.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: How quickly you can access cash matters more than headline facility size for some businesses. PennyFreedom releases funds in two hours, with annual rates from 7.5% to 15%. The maximum facility is £500,000, so it works as a rapid-access option for businesses that need immediate liquidity against a defined invoice pool.
Best next step: Two-hour funding for urgent cash needs.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding released in two hours
- Annual rates from 7.5%
- Quick digital application process
Need to know
- Maximum facility is £500,000
- Debtor quality heavily assessed
- Not a full £700k solution alone
Expert take
PennyFreedom is a digitally-led funder prioritising speed of access over facility size. For a £700,000 requirement, it works as a supplementary fast-draw line while a larger facility handles the bulk of the ledger.
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-aware choice for businesses weighing up invoice finance options at the £700,000 level. The lender provides facilities from £26,000 to £3 million and can also structure deals around trade finance and asset-based lending. Funding is typically in place within 24 hours, though monthly pricing means costs mount if debtor days stretch.
Best next step: Cost-conscious option with trade finance add-ons.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 3%
- Facilities available up to £3 million
- Trade and asset-based options available
Need to know
- Monthly rate structure applies
- Legal and valuation costs possible
- Debtor concentration limits apply
Expert take
4syte combines invoice finance with trade and asset-based lending under one roof. For a £700,000 facility, the advantage is having a lender that can grow the line into stock or trade funding without switching provider.
Source:https://www.4syte.co.uk/
Finance monmouth group
Published loan range£10,000 to £10,000,000
Rate typeinterest 6% to 13.5% annually
Overview: Finance monmouth group offers facilities from £10,000 to £10 million, giving a £700,000 invoice line room to expand as your debtor book grows. Annual rates range from 6% to 13.5%, and funding typically completes within 48 hours. The lender also handles asset finance and secured term loans, useful if your working capital needs change over time.
Best next step: Broad-spectrum lender with annual pricing.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 6%
- Facility ceiling reaches £10 million
- Asset and term loan options available
Need to know
- Trading history likely required
- Personal guarantee may apply
- Secured options need asset checks
Expert take
Finance monmouth group is a broad-spectrum lender spanning invoice finance, asset funding and specialist products. A £700,000 facility here sits within a wider lending relationship that can flex into term or secured options as the business evolves.
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide Bank brings mainstream banking infrastructure to invoice finance, with annual rates from 5% to 11.5% and facilities scaling up to £20 million. A £700,000 line here benefits from bank-grade pricing and a digital platform built for modern businesses. The trade-off is stricter underwriting — expect detailed trading history checks and possible personal guarantee requirements.
Best next step: Bank-grade pricing with digital platform access.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5%
- Banking platform with digital tools
- Facilities available up to £20 million
Need to know
- Stricter bank underwriting applies
- Trading history evidence required
- Personal guarantee may be needed
Expert take
Tide Bank blends digital banking convenience with institutional lending capacity. For a £700,000 invoice facility, the bank-grade pricing rewards businesses that can meet the more rigorous underwriting standards expected of a mainstream lender.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC's invoice finance product includes sales ledger management, reducing back-office burden for businesses that want to outsource payment chasing and reconciliation. Annual rates run from 8.6% to 11.3%. The facility ceiling is £300,000, so it suits those wanting a managed service on a smaller ledger portion rather than a full £700,000 line.
Best next step: Managed ledger service from a high-street bank.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Sales ledger management included
- Annual rates from 8.6%
- Back-office administration reduced
Need to know
- Maximum facility is £300,000
- Bank underwriting is rigorous
- Not a full £700k solution
Expert take
HSBC pairs invoice funding with a managed sales ledger service — a traditional factoring model that suits businesses lacking in-house credit control. The managed service adds operational value to a £700,000 funding strategy, even where HSBC handles only part of the ledger.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Invoice Finance Calculator
How invoice finance works at the £700,000 scale
At £700,000, an invoice finance facility is structured against your sales ledger rather than against fixed assets. The lender advances a percentage of each outstanding invoice – typically between 75% and 90% of the invoice value. eCapital, for example, publishes a maximum loan-to-value of 90%.
To support a £700,000 facility, your debtor book needs to be large enough. Most lenders on this list ask for a minimum annual turnover of £300,000 to £500,000. Treyd and WeDo Business Finance both set their threshold at £500,000, while 4syte accepts businesses turning over £300,000.
The facility limit is set as a percentage of your eligible outstanding invoices. As you invoice more, you can draw more – up to your agreed ceiling. This makes invoice finance particularly useful for businesses with long payment terms or rapid growth.
Invoice factoring vs invoice discounting at £700,000
At £700,000 the choice between factoring and discounting has meaningful operational impact. With invoice factoring, the lender manages your sales ledger and collects payment directly from your customers – a disclosed arrangement. Invoice discounting keeps the facility confidential; you retain credit control and your clients are unaware of the lending.
For businesses with established in-house credit control teams, discounting is often preferred at this scale. Factoring suits those who want to outsource collections and reduce internal admin.
Cost structures differ. Factoring adds a service fee for ledger management on top of the finance charge. Among lenders that can accommodate a £700,000 facility, Treyd publishes rates from 1.4% to 2.5% per month. 4syte sits in the 3% to 9.5% per month range. Time Finance and Tide Bank quote annual rates from 5.5% to 13.5% and 5% to 11.5% respectively.
What a £700,000 facility means for your cash flow
A £700,000 invoice finance facility can transform working capital for a growing mid-market business. Instead of waiting 30, 60, or 90 days for customer payments, you access the bulk of each invoice value within days of raising it. This frees up cash for stock purchases, supplier payments, payroll, and new contracts without relying on overdrafts or equity dilution.
Unlike a fixed-term loan, an invoice finance facility grows with your sales. As your debtor book expands, your available funding increases – provided it stays within your agreed facility cap. This makes it a natural fit for businesses scaling rapidly or managing seasonal peaks.
Most lenders offering facilities at this level require a personal guarantee from directors. Treyd, Finance for Enterprise, WeDo Business Finance, 4syte, and Tide Bank all list personal guarantees as a requirement. This is standard practice for invoice finance at the £700,000 mark and should be factored into your decision-making.
What lenders assess for a £700,000 invoice finance facility
Lenders underwriting a £700,000 facility look closely at the quality of your debtor book. They assess customer concentration – if too much of your ledger sits with one or two clients, it can increase risk. They also review payment history, debtor credit ratings, and your average payment terms.
| Lender | Min turnover | Min trading | Homeowner required |
|---|---|---|---|
| Treyd | £500,000 | 1 year | No |
| 4syte | £300,000 | 0 months | Yes |
Personal guarantees are standard at this facility size. However, homeowner requirements are less common – only 4syte explicitly requires home ownership among the lenders listed. Finance for Enterprise, Treyd, WeDo Business Finance, and Time Finance all confirm no homeowner requirement, which broadens access for directors who do not own property.
