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Top 10 Invoice Finance Lenders for an £800,000 Facility in 2026
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Top 10 Invoice Finance Lenders for a £800,000 Facility
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Mid-market B2B firms needing up to £1m against unpaid invoices | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | Growing 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 seeking invoice funding up to £500k from a specialist lender | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Large-scale invoice finance up to £25m for high-growth B2B firms | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Established businesses seeking invoice funding up to £5m with annual rates | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Smaller invoice finance facilities up to £500k for B2B operators | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Mid-to-large B2B firms needing £26k to £3m invoice funding | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Finance monmouth group | Businesses seeking flexible invoice finance from £10k up to £10m | £10,000 to £10,000,000 | interest 6% to 13.5% annually |
| 9 | Tide Bank | Wide-ranging invoice factoring from small sums to £20m facilities | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | HSBC Bank | Smaller invoice finance needs up to £300k from a high-street bank | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
Invoice finance lets businesses borrow against the value of their unpaid B2B invoices, releasing cash without waiting for customer payment terms. It suits mid-market and larger companies that issue substantial invoices and need reliable working capital to fund operations, cover supplier costs, or invest in growth. A £800,000 facility typically supports businesses managing large contract cycles or bridging significant cash flow gaps between invoicing runs.
Choosing the right invoice finance provider for a facility of this size means looking beyond the headline rate. Advance rates — the percentage of invoice value you receive upfront — vary between lenders and directly affect your working capital. Fee structures also differ: some charge a monthly service fee while others use an annual discount rate. Check whether the lender offers whole-ledger funding or selective invoice finance, and confirm they have experience with facilities at the £800,000 level.
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: Facilities reach £1,000,000, making Treyd a viable route for unlocking working capital from a large sales ledger. It is built for B2B businesses that need cash before customers settle invoices, with funding typically available within 24 hours. The monthly interest model means costs scale with usage rather than sitting as a fixed overhead.
Best next step: Check eligibility for invoice finance up to £1,000,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Advances against unpaid B2B invoices
- Funds available within 24 hours
- Monthly interest scales with usage
Need to know
- Suitability hinges on invoice quality
- Debtor concentration may affect terms
- Monthly interest of 1.4% to 2.5%
Expert take
A trade-focused funder comfortable with invoice-led and stock-linked facilities. For an £800,000 line, its ceiling and debtor-led underwriting make it a credible match for businesses with strong receivables and predictable customer payment cycles.
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: Annual interest from 6.5% keeps the cost of a large invoice facility more predictable than monthly-rate alternatives. The lender funds up to £2,000,000 and also offers asset-backed and revolving credit options, which can be useful if a single-product solution does not cover the full working-capital requirement. Funding typically completes within three days.
Best next step: Compare rates for facilities up to £2,000,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates for predictable cost
- Blends invoice and asset finance
- Funding within three days
Need to know
- May need strong trading history
- Personal guarantee could be required
- Limits may be reviewed periodically
Expert take
A broad-spectrum commercial lender comfortable across invoice finance, asset lending and revolving credit. At £800,000, its blended-product capability works in the borrower's favour if receivables alone do not satisfy the full facility requirement.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Funding can land within an hour, which is among the fastest turnaround times on this list. eCapital is a pure invoice finance provider geared to B2B firms needing rapid access to cash tied up in receivables. Its facility cap sits at £500,000, so a business needing the full £800,000 would need to look elsewhere or split the requirement across providers.
Best next step: Explore fast invoice funding up to £500,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as one hour
- Straightforward invoice finance model
- Annual rates from 7%
Need to know
- Facility cap is £500,000
- Invoice quality drives eligibility
- Debtor concentration is assessed
Expert take
A speed-first invoice funder built for rapid liquidity rather than large-scale facilities. For an £800,000 requirement, it suits businesses that can split their invoice book across providers or need partial cover at pace.
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 scale to £25,000,000 and funding lands within 24 hours. WeDo applies a monthly interest model that can suit seasonal or project-based billing cycles where usage fluctuates across the year. The lender is focused squarely on turning unpaid B2B receivables into accessible working capital, with a straightforward invoice finance structure at its core.
Best next step: Access invoice finance with high facility ceilings.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Ceilings up to £25 million
- 24-hour funding turnaround
- Monthly interest matches usage
Need to know
- Monthly rates range 3.5% to 9.5%
- Invoice quality affects terms
- Debtor spread is assessed
Expert take
A large-capacity invoice finance lender built to handle high-value receivables books. At £800,000, the headroom is substantial and the monthly-rate model suits businesses whose invoice volumes or values fluctuate across trading cycles.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: A revolving credit structure gives businesses ongoing access to funds as new invoices are raised, rather than a one-off advance. This works well where the invoice book is dynamic and working-capital needs recur, suiting a facility at the £800,000 level. Time Finance also offers asset finance for firms that hold stock or equipment alongside receivables.
Best next step: Compare revolving invoice facilities to £5,000,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving facility adapts to new invoices
- Combines invoice and asset finance
- 24-hour access to funds
Need to know
- Annual rates of 5.5% to 13.5%
- Limits can be reviewed or reduced
- Costs may rise with heavier usage
Expert take
A mid-market funder pairing invoice finance with asset-backed lines under one roof. For £800,000, the revolving model means the facility grows with the sales ledger, which favours businesses with recurring invoice cycles and diverse asset profiles.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: Funds can be released in as little as two hours, making PennyFreedom a speed-focused option for businesses that cannot wait days for invoice advances. Annual rates start at 7.5% and the facility cap reaches £500,000. For an £800,000 requirement, this may cover a portion of the ledger while a second facility handles the remainder.
Best next step: Get fast invoice funding up to £500,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within two hours
- Annual rates from 7.5%
- Simple invoice finance model
Need to know
- Maximum facility is £500,000
- Invoice debtor quality is key
- Single-product invoice finance only
Expert take
A lean, rapid-access invoice funder suited to businesses prioritising speed over facility size. At £800,000, the two-hour turnaround makes it a strong partial-cover option where urgency on a portion of the ledger is the priority.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Monthly rates from 3% make 4syte one of the more cost-competitive options for invoice finance at scale. Facilities stretch to £3,000,000 and the lender blends invoice funding with trade and stock finance, which helps businesses whose working-capital needs span beyond receivables alone. Funding arrives within 24 hours and the secured structure can support larger advances.
Best next step: Compare secured invoice facilities to £3,000,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 3%
- Blends invoice, trade and stock finance
- 24-hour funding turnaround
Need to know
- Secured facility structure applies
- Legal or valuation costs possible
- Monthly rate model can add up
Expert take
A secured lender mixing invoice finance with trade and stock funding for larger working-capital needs. At £800,000, the combination of competitive monthly rates and secured backing favours businesses with strong debtor books and tangible trade assets.
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: A wide product range covering invoice finance, asset-backed lending, MCA-style advances and term loans means a business can structure an £800,000 package across multiple products if straight invoice funding falls short. Facilities run to £10,000,000 and annual rates start at 6%. Funding typically takes 48 hours and the lender works with start-ups through to established firms.
Best next step: Explore multi-product funding up to £10,000,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Multi-product funding under one roof
- Annual rates from 6%
- Start-ups to large firms covered
Need to know
- 48-hour funding is slower than peers
- May need security or guarantees
- Trading history often required
Expert take
A versatile SME funder whose breadth across invoice finance, asset lending and term loans makes it a one-stop option. For £800,000, the ability to blend products works in favour of businesses whose invoice book alone may not carry the full facility.
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Annual rates from 5% make Tide one of the most cost-effective routes for invoice finance at the £800,000 level. As a mainstream bank, it offers invoice factoring and discounting alongside broader business banking, asset finance and start-up lending. Funding lands within 24 hours. Bank underwriting tends to be thorough, so expect documented trading history and clean debtor profiles.
Best next step: Check bank-backed invoice finance from 5% annually.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5%
- Full-service business banking
- 24-hour invoice advances
Need to know
- Bank underwriting is thorough
- Strong trading history expected
- May require personal guarantee
Expert take
A digital-first bank blending invoice finance with everyday business banking. At £800,000, the low starting rate and broad product suite favour established businesses with clean ledgers that can meet mainstream credit standards.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC brings the weight of a global bank to invoice finance, with sales ledger management included as standard. Annual rates sit between 8.6% and 11.3%, and the lender also offers revolving credit, trade finance and asset-based lending for businesses that need a broader funding mix. Its invoice facility cap is £300,000, which limits standalone use for an £800,000 requirement.
Best next step: Compare bank invoice finance with ledger management.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Sales ledger management included
- Full trade and asset finance suite
- Global banking relationship
Need to know
- Invoice facility capped at £300,000
- Slower bank underwriting process
- 48-hour funding turnaround
Expert take
A high-street banking giant whose invoice product includes hands-on ledger management. For an £800,000 total need, it works best as part of a wider banking relationship where other facilities like trade, asset or revolving credit bridge the gap.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Invoice Finance Calculator
How invoice finance works for an £800,000 facility
Invoice finance lets you unlock cash tied up in unpaid invoices. For an £800,000 facility, the lender advances a percentage of each invoice value, typically between 75% and 90%. eCapital confirms an advance rate up to 90%, while 4syte publishes a maximum loan-to-value of 75%. The remaining balance, minus fees, is released when your customer pays.
At this facility size, lenders expect a spread of debtors rather than relying on one large customer. Most providers review your sales ledger to check debtor quality and concentration. Facilities of £800,000 suit established B2B businesses with reliable payment cycles and a strong balance of outstanding invoices.
Factoring versus discounting for £800,000 invoice finance
At the £800,000 level, you can choose between invoice factoring and invoice discounting. With factoring, the lender takes control of your sales ledger and chases payments from your customers. This disclosed arrangement means your clients know you are using finance.
Invoice discounting keeps the arrangement confidential. You continue managing your own collections, and your customers are not informed. Discounting often suits larger businesses with strong credit control processes already in place. Tide Bank advertises both factoring and discounting facilities. The right choice depends on whether you want to hand over credit control or keep it in-house.
Eligibility criteria for large invoice finance facilities
Lenders set minimum turnover thresholds your business must meet. Treyd and WeDo Business Finance both require at least £500,000 in annual turnover. 4syte sets the bar at £300,000, while eCapital accepts businesses turning over £60,000 or more.
Most providers expect at least one year of trading history. Treyd confirms a minimum business age of 12 months, though 4syte and Tide Bank both accept startups with no trading history at all. Personal guarantees are standard across almost all invoice finance lenders at this level. None of the onboarded lenders on this list require homeownership as security, though 4syte does ask for it.
What to compare when choosing an £800,000 invoice finance provider
Rates vary significantly between lenders. Treyd charges between 1.4% and 2.5% per month, while 4syte and WeDo publish monthly rates in the 3% to 9.5% range. Annual-rate lenders including Time Finance, eCapital, and Finance for enterprise sit between 5.5% and 14.5% per year.
Beyond rates, compare facility limits and term structures. Finance for enterprise offers up to £2,000,000 with terms from 3 months to 6 years. Tide Bank extends facilities to £20,000,000 with terms of 1 to 15 years. WeDo Business Finance can fund up to £25,000,000. Also check whether arrangement fees, renewal fees, or unused line fees apply, and ask about minimum contract periods before committing.
