Top 10 Lenders to Secure a £750,000 Invoice Finance Facility in 2026

Invoice finance allows your business to unlock cash tied up in unpaid customer invoices. Instead of waiting 30, 60, or 90 days for customers to pay, a lender advances you a large portion of the invoice value upfront — typically 80% to 90%. For a £750,000 facility, this means you can access funds up to that amount, based on your sales ledger. The lender then either collects payment from your customers directly (factoring) or you continue to manage collections yourself (invoice discounting). Once customers pay, the remaining balance is released to you, less the lender's fees.

Eligibility for a facility of this size typically depends on the quality and value of your sales ledger rather than your business's credit history. Lenders look at whether you sell to other businesses (B2B) or to government bodies on credit terms, the creditworthiness of your customers, and your annual turnover. Most providers want to see a proven track record, a diversified debtor book, and clear invoicing processes. Start-ups and businesses with adverse credit may still qualify, though the terms offered may differ.

Rates vary between providers and depend on factors including your turnover, the volume of invoices financed, the risk profile of your customers, and whether you opt for factoring or invoice discounting. Typically you will encounter a service fee, calculated as a percentage of turnover, and a discount charge similar to interest on funds drawn. For a £750,000 facility, terms are often structured on a rolling basis with no fixed end date, and you can draw funds as needed. It is worth comparing quotes from multiple providers, as pricing structures can differ significantly.

Both invoice finance and revolving credit facilities provide flexible working capital, but they work differently. Invoice finance is directly linked to your sales ledger — the amount you can borrow grows with your invoicing. A revolving credit facility provides a pre-agreed limit you can draw against and repay repeatedly, often secured against assets rather than invoices. Invoice finance can be easier to access if you have a strong debtor book, while a revolving credit facility may offer more predictable limits. Many businesses use a combination of both depending on their needs.

Invoice finance and asset finance serve different purposes. Invoice finance unlocks cash from unpaid invoices — it accelerates income you have already earned. Asset finance, by contrast, helps you acquire equipment, machinery, or vehicles by spreading the cost over time, or releases cash from assets you already own through refinancing. For a business needing £750,000 in working capital, invoice finance is typically more appropriate if you have a strong sales ledger. Asset finance is better suited when you need to fund specific asset purchases.

When comparing providers for a facility of this size, look beyond the headline rate. Consider whether you need factoring, where the lender manages collections, or invoice discounting, where you retain control. Check service levels, including how quickly funds are released and the quality of customer support. Review contract terms carefully — some providers require minimum commitment periods or tie you into long notice periods. Also verify whether the facility can grow with your business and whether there are any hidden charges such as survey fees, renewal fees, or early termination penalties.