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Top £850,000 Invoice Finance Lenders for UK Businesses in 2026
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Top lenders for a £850,000 invoice finance facility
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Businesses with strong invoice ledgers needing fast working capital | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Finance for enterprise | Established firms requiring flexible invoice finance up to £2M | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 3 | eCapital | Included for comparison; suits facilities up to £500,000 only | Up to £500,000 | interest 7% to 14.5% annually |
| 4 | WeDo Business Finance | Large businesses needing substantial invoice finance up to £25M | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Growing firms seeking invoice discounting facilities up to £5M | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Included for comparison; suits facilities up to £500,000 only | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Businesses with solid turnover needing invoice finance up to £3M | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Finance monmouth group | Firms seeking high-value invoice finance facilities up to £10M | £10,000 to £10,000,000 | interest 6% to 13.5% annually |
| 9 | Tide Bank | Businesses preferring bank-backed invoice factoring or discounting | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | HSBC Bank | Included for comparison; suits smaller facilities up to £300,000 | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
Invoice finance lets businesses unlock cash tied up in unpaid customer invoices before those invoices fall due. A lender advances a percentage of the invoice value, often up to 90%, giving you immediate working capital instead of waiting 30 to 90 days for payment. For established UK businesses with a high volume of outstanding invoices, a £850,000 invoice finance facility bridges the gap between billing clients and receiving cash, funding growth, supplier payments, or payroll without taking on traditional debt.
Comparison at this level goes beyond headline rates. The advance rate — how much of each invoice is released upfront — directly affects your working capital position. Fee structures also vary: some lenders charge a percentage of turnover, others apply a discount margin plus base rate. At £850,000, you should weigh whether the facility is disclosed to customers or kept confidential through invoice discounting. Service levels, including dedicated relationship management, matter more as facility size grows.
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 lends against unpaid B2B invoices, with monthly rates starting at 1.4%. For an £850,000 facility the total cost depends on how quickly your debtors settle. The lender can also support inventory and supplier payments tied to your sales cycle. Underwriting looks hard at debtor quality and concentration, so patchy customer spread can limit the advance rate.
Best next step: Check if your invoices qualify for Treyd's rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 1.4% on invoice advances
- Funding typically within 24 hours
- Supports inventory and supplier payment cycles
Need to know
- Requires strong debtor quality and invoice spread
- Advance rate depends on customer payment behaviour
- Monthly cost rises if debtors pay late
Expert take
A trade-focused invoice financier for B2B businesses with reliable customers. An £850,000 facility is realistic where debtor quality is high and invoices are clean. Concentration risk is the main underwriting hurdle.
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 covers facilities from £1,000 up to £2,000,000, making an £850,000 invoice finance line a routine placement. Annual rates range from 6.5% to 13.5% and funding typically lands within three days. The revolving structure lets you draw against invoices as needed, which suits seasonal or repeat working capital cycles. Expect affordability checks and possibly a personal guarantee for larger limits.
Best next step: See if your debtor book qualifies for their rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 6.5% on invoice finance
- Flexible drawdown against unpaid invoices
- Funding typically within three working days
Need to know
- Affordability checks needed for larger facilities
- Personal guarantee may be required
- Limits can be reviewed or adjusted over time
Expert take
A generalist working capital lender with a wide product range. The £850,000 facility fits comfortably within appetite for established businesses with clean ledgers and predictable debtor turnover.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: eCapital funds against unpaid invoices within as little as one hour, among the fastest turnaround times available. Annual rates sit between 7% and 14.5%. The lender caps facilities at £500,000, so for an £850,000 working capital need a business would require a top-up or split facility approach. Underwriting focuses on debtor strength rather than lengthy trading history.
Best next step: Explore rapid invoice funding with eCapital today
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as one hour
- Annual rates from 7% on invoice advances
- Streamlined underwriting focused on debtors
Need to know
- Maximum facility capped at £500,000
- Suitability depends on debtor quality
- May need additional facility for full amount
Expert take
A speed-focused invoice financier built for rapid working capital decisions. For an £850,000 requirement it works best as part of a split facility alongside another lender covering the remainder.
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: With a facility cap of £25,000,000, WeDo Business Finance can support large invoice finance lines for established trading businesses. Monthly rates range from 3.5% to 9.5%, and funding typically lands within 24 hours. The lender advances against unpaid B2B invoices, turning your sales ledger into immediate working capital. Approval depends on debtor quality and invoice volume rather than fixed asset security.
Best next step: Check eligibility for a large invoice finance facility
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facility cap up to £25,000,000
- Funding typically within 24 hours
- Advances against unpaid B2B invoices
Need to know
- Monthly rates from 3.5% to 9.5%
- Approval hinges on debtor quality and volume
- Not reliant on fixed asset security
Expert take
A high-cap invoice finance provider suited to businesses with substantial sales ledgers. An £850,000 facility sits well within appetite, and the quick turnaround helps businesses needing to bridge debtor payment gaps promptly.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Time Finance structures invoice facilities as a revolving line, so you draw only what you need against outstanding invoices rather than committing to a fixed term. Annual rates run from 5.5% to 13.5% with funding typically landing within 24 hours. The lender caps facilities at £5,000,000. Costs can rise with usage and limits may be reviewed over time.
Best next step: See if a revolving invoice line suits your business
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving facility draws against invoices as needed
- Annual rates from 5.5%
- Funding typically within 24 hours
Need to know
- Costs may increase with higher usage
- Facility limits can be reviewed periodically
- Asset eligibility checks may apply
Expert take
A flexible revolving credit provider that applies invoice finance principles to working capital. An £850,000 facility is within appetite, and the drawdown structure suits businesses with uneven cash flow cycles.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: PennyFreedom can turn unpaid invoices into working capital in as little as two hours, with annual rates between 7.5% and 15%. The lender caps facilities at £500,000, so businesses needing £850,000 may require an additional facility alongside. Underwriting centres on the strength of your debtors and the quality of outstanding invoices rather than lengthy affordability modelling.
Best next step: Check if your invoices qualify for two-hour funding
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as two hours
- Annual rates from 7.5%
- Underwriting focused on debtor strength
Need to know
- Maximum facility capped at £500,000
- May need a second facility for full amount
- Suitability depends on invoice quality
Expert take
A fast-moving invoice financier that prioritises speed over facility size. For an £850,000 requirement it works best paired with another lender, but the rapid turnaround makes it useful for urgent working capital pressure.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: 4syte offers invoice finance from £26,000 to £3,000,000, with monthly rates between 3% and 9.5%. Funding typically lands within 24 hours. The lender favours businesses with strong debtor books and can structure facilities against both invoices and trade stock, which broadens the borrowing base for larger working capital lines. Underwriting weighs security quality and debtor concentration carefully.
Best next step: See if your debtor book meets 4syte's criteria
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities from £26,000 to £3,000,000
- Funding typically within 24 hours
- Can lend against invoices and trade stock
Need to know
- Monthly rates from 3% to 9.5%
- Debtor concentration affects advance rates
- Security quality influences underwriting decisions
Expert take
An asset-based invoice financier that blends invoice and stock lending. An £850,000 line is within range for businesses with diversified debtor books and clean trading histories.
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 writes invoice facilities from £10,000 to £10,000,000, with annual rates between 6% and 13.5%. Funding typically arrives within 48 hours. The lender works across invoice finance, asset finance and secured term loans, which can help businesses structuring a larger working capital package. Expect affordability evidence and possibly a personal guarantee for facilities at this scale.
Best next step: Explore invoice finance options with Finance monmouth group
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities from £10,000 to £10,000,000
- Annual rates from 6%
- Broad product range for combined packages
Need to know
- Funding typically takes 48 hours
- Affordability evidence likely required
- Personal guarantee may be needed
Expert take
A multi-product lender that can wrap invoice finance into a broader working capital solution. An £850,000 facility is within appetite, though underwriting will scrutinise trading history and debtor concentration.
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide Bank offers invoice factoring and discounting with annual rates from 5% to 11.5%. The bank lends from £500 to £20,000,000, so an £850,000 invoice facility is a standard placement for its underwriting team. Funding can land within 24 hours once approved, though bank due diligence tends to be more thorough than alternative lenders. Expect detailed affordability and trading history checks.
Best next step: Check Tide's invoice factoring rates and eligibility
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5% on invoice finance
- Facilities available up to £20,000,000
- Funding possible within 24 hours
Need to know
- Bank underwriting can be thorough and slower
- Detailed trading history checks likely
- Affordability modelling required for larger limits
Expert take
A mainstream bank providing invoice factoring and discounting with competitive rates. An £850,000 facility is well within appetite, but underwriting rigour means the process takes longer than with specialist providers.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC pairs invoice finance with sales ledger management, charging annual rates from 8.6% to 11.3%. Funding typically lands within 48 hours. The bank's published invoice facility range runs from £1,000 to £300,000, so an £850,000 working capital need exceeds its standard invoice finance cap. Businesses may need to explore HSBC's broader commercial lending products or a split facility approach.
Best next step: Explore HSBC's invoice finance and commercial lending options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Sales ledger management included
- Annual rates from 8.6%
- Backed by a major high-street bank
Need to know
- Standard invoice finance cap is £300,000
- Bank underwriting can be lengthy
- May require broader commercial lending route
Expert take
A high-street bank offering invoice finance with full sales ledger support. The standard cap means an £850,000 facility would need to sit within wider commercial lending, making it less direct than specialist invoice providers.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Invoice Finance Calculator
How to qualify for an £850,000 invoice finance facility
Most lenders that offer facilities at the £850,000 level expect a well-established business with a healthy debtor book. Treyd and WeDo Business Finance both publish a minimum turnover threshold of £500,000, giving a clear benchmark for businesses seeking larger invoice finance. 4syte sets its turnover requirement lower at £300,000 but still demands a strong invoice profile.
Your debtor book is the real collateral. Lenders typically advance 75% to 90% of eligible invoice value. eCapital publishes a maximum advance of 90%, while 4syte caps at 75%. For an £850,000 facility, your outstanding invoices must comfortably exceed the facility size after applying the advance rate.
A personal guarantee is a near-universal requirement at this level. Treyd, 4syte, Finance for enterprise, and WeDo Business Finance all require one. Most lenders, including Treyd and Finance for enterprise, do not ask for homeownership, though 4syte does.
What lenders assess before approving an £850,000 invoice finance facility
For an £850,000 facility, lenders look beyond basic eligibility and scrutinise your debtor book in detail. Concentration risk is a key concern. If a large portion of your outstanding invoices sits with one or two customers, lenders may cap the facility or exclude those debtors from the borrowing base. A diversified customer list strengthens your application.
Creditworthiness of your debtors matters as much as your own. Lenders review the payment history and credit ratings of the businesses that owe you money. Government and blue-chip debtors are viewed favourably, while smaller or late-paying customers can limit facility size.
Most providers at this level require a personal guarantee. Treyd, Time Finance, Finance for enterprise, and Tide Bank all publish this requirement. Some lenders impose additional conditions: Finance monmouth group asks for card payment transactions, while 4syte requires the director to be a homeowner.
Factoring versus discounting for an £850,000 invoice finance facility
At the £850,000 level, the choice between invoice factoring and invoice discounting has real operational impact. Tide Bank offers both factoring and discounting under its invoice finance umbrella, while HSBC Bank provides a sales ledger management service alongside its facility.
Invoice factoring means the lender takes over credit control and collection from your customers. This suits businesses without an internal collections team. The trade-off is that your customers will know you are using a finance provider, since the lender contacts them directly.
Invoice discounting keeps collections in-house. You retain control of customer relationships and the facility remains confidential. This is the more common choice for larger, well-run businesses with established credit control processes. At £850,000, most lenders will expect you to have the operational maturity for discounting, though factoring remains available if you prefer the hands-off approach.
Comparing rates and costs on an £850,000 invoice finance facility
Rate structures vary significantly across lenders that can accommodate an £850,000 facility, and understanding how costs are quoted is essential for accurate comparison.
Monthly-rate lenders include Treyd, which publishes rates from 1.4% to 2.5% per month, and 4syte and WeDo Business Finance, which both sit in a broader 3% to 9.5% per month range. These rates apply to the drawn amount, so costs scale directly with utilisation.
Annual-rate lenders include Finance for enterprise at 6.5% to 13.5% per year, Time Finance at 5.5% to 13.5% per year, and Tide Bank at 5% to 11.5% per year. Converting monthly rates to an annual equivalent helps you compare on a like-for-like basis; a 2.5% monthly rate compounds to a significantly higher annual cost than a 13.5% annual rate.
Beyond the headline rate, factor in arrangement fees, service charges, and unused line fees before choosing a lender for a facility of this size.
