Top Confidential Invoice Discounting Providers in the UK for 2026
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Top 10 Confidential Invoice Discounting Providers Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Simplicity in Business | Smaller businesses needing low-rate confidential invoice discounting | £10,000 to £100,000 | interest 1.2% to 1.49% |
| 2 | Finance for enterprise | Flexible confidential facilities from small to large advance values | £1,000 to £2,000,000 | interest 6.5% to 13.5% |
| 3 | Treyd | Established firms wanting fast, low-rate confidential discounting | £15,000 to £1,000,000 | interest 1.4% to 2.5% |
| 4 | Waylog | High-turnover businesses needing rapid confidential invoice funding | £15,000 to £500,000 | interest 1.5% to 2.5% |
| 5 | eCapital | Ultra-fast confidential invoice finance for lower-turnover firms | Up to £500,000 | interest 7% to 14.5% |
| 6 | PennyFreedom | Speed-focused confidential discounting for smaller businesses | Up to £500,000 | interest 7.5% to 15% |
| 7 | WeDo Business Finance | Large-scale confidential invoice discounting up to £25 million | Up to £25,000,000 | interest 3.5% to 9.5% |
| 8 | Time Finance | Mid-to-large firms seeking confidential facilities up to £5 million | Up to £5,000,000 | interest 5.5% to 13.5% |
| 9 | Metro Bank | Bank-led confidential invoice discounting with broad facility range | £2,000 to £25,000,000 | interest 9.6% to 9.6% |
| 10 | NatWest Bank | Established firms preferring high-street bank confidential discounting | £500 to £10,000,000 | interest 4.5% to 10.5% |
Confidential invoice discounting lets UK B2B businesses unlock cash from unpaid invoices without their customers ever knowing. Unlike factoring, you retain full control of your sales ledger and credit control. The lender advances a percentage of each invoice value and the arrangement stays entirely private. For firms that want to protect customer relationships while improving cash flow, choosing the right confidential invoice discounting provider is critical.
Comparing providers means looking at advance rates, fee structures, funding speed and eligibility thresholds. Some lenders require minimum turnover of £500,000 or more, while others serve smaller businesses. Facility limits vary from tens of thousands to millions of pounds. This list covers ten UK confidential invoice discounting providers, from specialist independents to high-street banks, so you can weigh up the options.
Before you apply: Confidential invoice discounting typically suits businesses with established credit control processes. Lenders assess your sales ledger quality and debtor book before approving a facility. Providers listed here may offer both confidential and notified options, so always confirm the arrangement type directly with the lender.
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest or factor rate
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.
Simplicity in Business
Published loan range£10,000 to £100,000
Rate typeinterest 1.2% to 1.49%
Overview: Simplicity in Business provides confidential invoice discounting that lets UK SMEs unlock working capital from unpaid invoices while keeping the arrangement entirely hidden from their customers and preserving normal trading relationships.
Because debtors are not notified, businesses retain full control of their sales ledger and credit control processes. This non-notification structure protects hard-won customer relationships without any third-party interference or visibility.
Best next step: Ideal for businesses wanting discreet working capital.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Keep your customer relationships confidential
- Retain full credit control and collections
- Access funds within 48 hours
Need to know
- Facility from £10,000 to £100,000
- Rates from 1.2% to 1.49%
- Best for B2B invoice-led businesses
Expert take
Simplicity in Business suits smaller UK firms wanting confidential invoice discounting without alerting debtors, keeping sales ledger management entirely in-house while accessing capital within 48 hours.
Finance for enterprise
Published loan range£1,000 to £2,000,000
Rate typeinterest 6.5% to 13.5%
Overview: Finance for enterprise offers confidential invoice discounting with a wide facility range, making it a strong contender for growing UK businesses that need non-notification funding to support their working capital cycle.
The confidential structure means your customers never know about the financing, so you keep your trading relationships intact while drawing against outstanding invoices as your business scales and cash flow demands increase.
Best next step: Scale your cash flow without disclosing to customers.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible drawdown against unpaid invoices
- Customers never know about the facility
- Facilities from £1,000 to £2 million
Need to know
- Rates from 6.5% to 13.5%
- Funding typically within three days
- May require a personal guarantee
Expert take
Finance for enterprise is a versatile choice for UK businesses seeking confidential invoice discounting across a broad facility range, though expect standard checks on trading history and debtor quality.
Treyd
Published loan range£15,000 to £1,000,000
Rate typeinterest 1.4% to 2.5%
Overview: Treyd provides confidential invoice discounting that keeps funding undisclosed to debtors, a practical solution for businesses wanting to unlock capital from unpaid invoices while preserving their own credit management routines.
With funding available within 24 hours, Treyd suits businesses needing rapid access to working capital without notifying customers. The facility can also support supplier payments and inventory cycles alongside invoice-led cash flow.
Best next step: Fast, confidential funding for invoice-led businesses.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding available within 24 hours
- Non-notification keeps debtors unaware
- Facilities from £15,000 to £1 million
Need to know
- Rates from 1.4% to 2.5%
- Suitability depends on debtor quality
- Also supports trade and inventory cycles
Expert take
Treyd combines speed with confidentiality, helping businesses access invoice-linked capital within a day while keeping the facility invisible to customers — a strong fit for firms that value discretion above all.
Source:https://www.treyd.io/
Waylog
Published loan range£15,000 to £500,000
Rate typeinterest 1.5% to 2.5%
Overview: Waylog delivers confidential invoice discounting that allows UK businesses to borrow against unpaid invoices without informing their debtors, keeping the funding arrangement entirely behind the scenes while maintaining normal credit control.
The 24-hour funding speed helps businesses respond quickly to cash flow gaps, and the non-notification structure ensures client relationships remain undisturbed, with no third party ever contacting your customers about the facility.
Best next step: Quick, confidential capital without customer disruption.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Debtors never learn of the facility
- Facilities from £15,000 to £500,000
Need to know
- Rates from 1.5% to 2.5%
- Invoice quality affects eligibility
- Also supports trade and stock funding
Expert take
Waylog is well suited to businesses prioritising both speed and confidentiality in invoice discounting, funding within a day while keeping the arrangement completely private from customers at every stage.
Source:https://waylog.com/
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5%
Overview: eCapital stands out for its one-hour funding speed in the confidential invoice discounting space, helping UK businesses access working capital almost instantly while keeping the financing arrangement undisclosed to their debtors.
The non-notification model means businesses retain full control of their sales ledger and customer relationships, making this a practical fit for firms that need urgent capital without any visible third-party involvement in collections.
Best next step: Near-instant funding while keeping debtors in the dark.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as one hour
- Non-notification protects relationships
- Facilities up to £500,000
Need to know
- Rates from 7% to 14.5%
- Best for B2B invoice-led businesses
- Invoice and debtor quality matter
Expert take
eCapital is one of the fastest confidential invoice discounting providers available, funding within an hour — ideal for businesses needing immediate working capital but determined to keep the facility hidden from customers.
Source:https://ecapital.com/en-gb/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15%
Overview: PennyFreedom offers confidential invoice discounting with funding in as little as two hours, helping UK businesses release cash from unpaid invoices quickly without ever notifying their customers of the financing arrangement.
Because the facility is fully non-notification, businesses continue to manage their own credit control and debtor relationships, preserving trust and routine while accessing the working capital needed to cover operational costs and growth.
Best next step: Speed and confidentiality combined.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within two hours
- Debtors remain completely unaware
- Facilities up to £500,000
Need to know
- Rates from 7.5% to 15%
- Invoice quality affects eligibility
- Suited to B2B businesses
Expert take
PennyFreedom marries speed with discretion, making it a solid pick for businesses that need confidential invoice discounting and cannot wait days for funding — all while keeping customers entirely in the dark.
WeDo Business Finance
Published loan rangeUp to £25,000,000
Rate typeinterest 3.5% to 9.5%
Overview: WeDo Business Finance provides confidential invoice discounting at significant scale, with facilities reaching up to £25 million, making it a strong option for larger UK businesses needing non-notification funding without disrupting customer relationships.
The confidential structure ensures debtors are never contacted, so businesses retain full ownership of credit control and collections while unlocking substantial working capital against their sales ledger to fund expansion and operational demands.
Best next step: Enterprise-grade confidential invoice discounting.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £25 million
- Non-notification protects client trust
- Funding typically within 24 hours
Need to know
- Rates from 3.5% to 9.5%
- Invoice and debtor quality matter
- Best for larger B2B operations
Expert take
WeDo Business Finance suits mid-sized and larger firms seeking high-limit confidential invoice discounting. Its up to £25 million facility range supports substantial working capital needs without disclosing to debtors.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5%
Overview: Time Finance provides confidential invoice discounting alongside asset finance and revolving credit, giving UK businesses the flexibility to combine non-notification funding with other finance products all under one roof.
The confidential discounting facility keeps debtors unaware of the arrangement, allowing businesses to maintain their own credit control while accessing up to £5 million against unpaid invoices to support day-to-day operations and growth.
Best next step: Combine confidential discounting with broader asset-backed funding.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Non-notification keeps customers unaware
- Facilities up to £5 million
- Combine with asset finance if needed
Need to know
- Rates from 5.5% to 13.5%
- Funding typically within 24 hours
- Limits may be reviewed periodically
Expert take
Time Finance works well for businesses wanting confidential invoice discounting alongside other finance types, keeping debtors uninformed while drawing on a facility that can grow with the business over time.
Source:https://www.timefinance.com/
Metro Bank
Published loan range£2,000 to £25,000,000
Rate typeinterest 9.6% to 9.6%
Overview: Metro Bank offers confidential invoice discounting through its invoice finance division, giving UK businesses a high-street banking option for non-notification funding that keeps the arrangement hidden from debtors and preserves customer relationships.
As a mainstream bank, Metro Bank provides the stability and reputation that some businesses prefer, while the confidential structure means customers are never contacted — the business retains full control of its own credit management throughout.
Best next step: High-street confidential discounting with banking stability.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Bank-grade confidential facility
- Debtors never notified of funding
- Facilities from £2,000 to £25 million
Need to know
- Rate from 9.6%
- Bank underwriting may be stricter
- May require security or guarantees
Expert take
Metro Bank suits businesses that prefer a bank for confidential invoice discounting. Expect more thorough underwriting, but the non-notification structure and broad facility range make it a credible option.
Source:https://www.metrobankonline.co.uk/business/borrowing/
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5%
Overview: NatWest Bank provides confidential invoice discounting as part of its invoice finance offering, letting UK businesses access working capital against unpaid invoices without notifying their customers of the funding arrangement at any stage.
The confidential model means debtors are never contacted by the bank, so businesses keep their credit control and collections in-house while benefiting from a flexible facility that can support seasonal or growth-driven working capital needs.
Best next step: Trusted bank confidential discounting for established businesses.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Debtors never learn of the facility
- Flexible drawdown for working capital
- Facilities from £500 to £10 million
Need to know
- Rates from 4.5% to 10.5%
- Stricter bank underwriting applies
- May need trading history proof
Expert take
NatWest is a dependable choice for businesses wanting confidential invoice discounting from an established bank, with competitive rates and a flexible drawdown structure that supports seasonal or growing working capital cycles.
Source:https://www.natwest.com/business/loans-and-finance.html
Invoice Finance Calculator
How confidential invoice discounting works without notifying your debtors
Confidential invoice discounting lets you unlock cash tied up in unpaid invoices while keeping the arrangement completely hidden from your customers. You raise and issue invoices as normal, then submit them to the lender through a secure portal. The lender advances a percentage of each invoice value – typically 80% to 90% – often within 24 hours of submission.
Unlike factoring, you retain full control of your sales ledger and credit control. Your team continues to chase payments, send statements, and handle queries. Debtors pay directly into a trust account controlled by the lender, but the account is branded in your company name. Once payment clears, the lender releases the remaining balance minus fees.
This structure preserves your customer relationships. Suppliers and buyers see no change at all. For businesses with established credit control teams and B2B client bases, confidential discounting provides working capital without disrupting trade relationships or raising awkward questions.
What UK businesses need to qualify for confidential invoice discounting
Confidential invoice discounting typically carries stricter eligibility requirements than disclosed factoring. Most lenders expect a minimum trading history of 12 to 24 months. Annual turnover thresholds often start at £250,000, though some providers accept lower figures for stronger applications with well-managed debtor books.
Your debtor book matters significantly. Lenders prefer a spread of B2B customers rather than reliance on a single large client. They will assess debtor quality, payment patterns, and concentration risk during underwriting. Strong, established credit control procedures are essential – the lender relies entirely on your team to collect payments effectively.
Other factors include clean financial statements, no prior CCJs, and a manageable level of existing debt. Because the facility is undisclosed, lenders need confidence that your business can manage collections without their intervention. Businesses with weaker credit control or limited trading history may be directed toward factoring instead.
What confidential invoice discounting costs and how fees are structured
Confidential invoice discounting has two main cost components. The service fee covers administration and is typically charged as a percentage of your annual turnover, often ranging from 0.2% to 1%. The discount charge is interest on the funds you draw, calculated as a margin over base rate, with margins commonly between 1% and 3%.
Because you retain credit control, service fees for confidential discounting are usually lower than for factoring, where the lender handles collections. However, you continue to shoulder the cost of your own credit control team. Some lenders also charge an arrangement fee at outset, audit fees for periodic debtor checks, and minimum service fees if your turnover falls below agreed levels.
The overall cost depends on your invoice volume, debtor quality, and how much funding you actually draw. Comparing quotes from multiple providers is essential – fee structures vary significantly across the UK market and small differences in margin can add up over time.
Deciding between confidential invoice discounting and disclosed factoring
| Factor | Confidential discounting | Disclosed factoring |
|---|---|---|
| Debtor notification | None – customers unaware | Customers notified, pay factor directly |
| Credit control | You manage collections | Factor handles collections |
| Typical cost | Lower service fees | Higher service fees |
| Eligibility bar | Higher – strong credit control needed | Lower – factor manages risk |
| Best for | Established B2B firms with strong admin | Growing firms wanting to outsource collections |
Your choice ultimately depends on your customer relationships and internal resources. If preserving direct debtor contact matters and your credit control is strong, confidential discounting is usually the better fit. If you would rather free up time by outsourcing collections, or if your credit control function is less developed, disclosed factoring may be more practical. Speak with a broker who can match your circumstances to the right facility type before committing.
FAQs
Confidential invoice discounting lets you borrow against your unpaid invoices without your customers ever knowing. You raise an invoice, upload it to your lender's platform, and they advance you a percentage of the invoice value – typically up to 90% – within 24 hours. Your customers pay you directly as normal, and you repay the lender once the invoice is settled. The arrangement stays entirely between you and the lender, so your credit control and customer relationships remain unchanged.
Confidential invoice discounting is generally suited to established UK B2B businesses with a track record of solid credit control. Lenders typically look for businesses with an annual turnover of at least £100,000 to £250,000, though some providers set higher minimums. You will need to demonstrate that you have reliable internal credit management processes, as the lender relies on you to collect payments from your debtors. Businesses selling to consumers or on a cash-on-delivery basis are usually not eligible, and startups without a trading history may find it harder to qualify.
Costs are typically made up of two elements: a service fee, which is a percentage of your annual turnover, and a discount charge, which is interest calculated on the funds you actually draw down. The service fee often ranges between 0.2% and 0.9% of turnover depending on your business size and risk profile. The discount charge is commonly linked to the Bank of England base rate plus a margin. Most arrangements are offered on a rolling 12-month contract with a notice period. Exact rates and terms will always depend on your specific business circumstances.
The key difference is who manages the sales ledger and whether your customers are notified. With confidential invoice discounting, you retain full control of your credit control and your customers are never informed about the finance arrangement. Invoice factoring, by contrast, involves the lender taking over your collections and contacting your customers directly. While factoring can free up more of your time, many businesses prefer invoice discounting because it protects client relationships and avoids any perception of financial difficulty.
Both provide flexible working capital, but they work differently. A revolving credit facility gives you a pre-agreed limit you can draw against, repay, and redraw as needed, much like an overdraft. Confidential invoice discounting is directly linked to your sales ledger – the more you invoice, the more funding you can access. Invoice discounting can often provide higher funding levels as it grows with your turnover, whereas a revolving credit facility typically has a fixed ceiling. Many businesses use invoice discounting as their primary working capital solution and keep a revolving credit facility as a backup.
Start by looking at the advance rate – how much of each invoice value you can access upfront. Check whether the provider offers a fully confidential, non-notification facility if keeping the arrangement hidden is critical. Review the fee structure carefully, including any arrangement fees, service fees, and minimum term commitments. Consider the quality of their online platform and whether it integrates with your accounting software. Also assess their sector experience – some providers specialise in particular industries such as construction, manufacturing, or recruitment. Finally, speak to a broker who can compare multiple lenders and help negotiate the best terms for your circumstances.
