Top Transport Invoice Finance Lenders for UK Haulage & Logistics 2026
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Transport Invoice Finance: Top UK Providers Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Mid-sized haulage firms needing fast funding against invoices | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | eCapital | Transport businesses wanting rapid same-day invoice advances | Up to £500,000 | interest 7% to 14.5% annually |
| 3 | Finance for enterprise | Smaller courier and delivery firms starting with invoice finance | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 4 | WeDo Business Finance | Large freight operators needing high-value invoice facilities | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Established logistics firms seeking flexible invoice funding | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Transport firms needing quick unsecured invoice advances | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | New haulage startups seeking invoice finance from day one | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Apollo finance | Smaller transport operators needing straightforward invoice factoring | £20,000 to £350,000 | interest 6% to 14% annually |
| 9 | HSBC Bank | Haulage firms preferring bank-backed invoice finance with low entry | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 10 | Tide Bank | New courier businesses wanting digital-first invoice factoring | £500 to £20,000,000 | interest 5% to 11.5% annually |
Invoice finance lets transport and logistics companies unlock cash tied up in unpaid customer invoices, typically advancing 80 to 90 per cent of the invoice value within days rather than waiting 30 to 90 days for payment. This suits haulage, freight and courier firms because fuel, vehicle maintenance and driver wages must be paid long before clients settle their bills. A £50,000 facility can cover running costs while the fleet stays on the road.
Comparing transport invoice finance providers goes beyond the headline rate. Check whether the facility is factoring, where the lender collects payments, or discounting, where you retain credit control, as many haulage firms prefer to manage their own client relationships. Look at the minimum turnover threshold, funding speed, and any sector-specific experience the lender brings. Also confirm whether the lender requires personal guarantees or charges fees for unused facilities.
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 funds within 24 hours, which matters for transport companies needing to cover fuel or urgent maintenance while waiting on invoices. Its trade and supplier payment capability adds value for hauliers that also need to settle supplier bills before client invoices are paid. The trade-off: suitability hinges on invoice quality and debtor concentration.
Best next step: See if your transport invoices qualify
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fast 24-hour funding turnaround
- Supports supplier and trade cycles
- Works alongside unpaid B2B invoices
Need to know
- Requires good invoice quality
- Debtor concentration affects terms
- Monthly interest from 1.4% to 2.5%
Expert take
A working-capital specialist that suits transport operators needing quick invoice-to-cash conversion. Transport businesses with reliable corporate or public-sector debtors will find the speed and trade-linked structure particularly useful.
Source:https://www.treyd.io/
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Annual rates from 7% give transport firms clearer cost visibility compared with monthly-rate structures. The one-hour funding speed helps hauliers cover unexpected costs like vehicle repairs or emergency fuel. The trade-off: approval depends on invoice quality and debtor spread.
Best next step: Check eligibility for your haulage invoices
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest from 7%
- Funding possible within 1 hour
- Up to £500,000 facility size
Need to know
- Invoice quality is key
- Debtor concentration matters
- Not for non-B2B operators
Expert take
A straightforward invoice finance provider with pricing transparency suited to transport operators. Haulage firms with a spread of creditworthy commercial clients can access competitive annual rates and rapid funding.
Source:https://ecapital.com/en-gb/
Finance for enterprise
Published loan range£1,000 to £2,000,000
Rate typeinterest 6.5% to 13.5% annually
Overview: Facilities from £1,000 to £2 million cover both small courier firms and larger logistics operators. Asset finance and invoice finance can be combined, so a haulier might fund a new vehicle while drawing against outstanding invoices. The trade-off: strong trading history or a personal guarantee may be required.
Best next step: Compare invoice finance options for transport
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Wide facility range £1k to £2m
- Asset and invoice finance combined
- Annual rates from 6.5%
Need to know
- Personal guarantee may apply
- Requires strong trading history
- Limits can be reviewed
Expert take
A multi-product lender suited to transport businesses wanting invoice finance alongside asset funding. The broad facility range means an owner-operator courier and a mid-sized logistics firm can both find a fit here.
WeDo Business Finance
Published loan rangeUp to £25,000,000
Rate typeinterest 3.5% to 9.5% monthly
Overview: For large transport operators and logistics groups with significant invoice volumes, facilities reach £25 million. Funding lands within 24 hours, so fleet operations keep moving while invoices are processed. The trade-off: monthly interest rates mean costs need close monitoring.
Best next step: View lender review for large-fleet facilities
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Large facilities up to £25m
- 24-hour funding available
- Suitable for high invoice volumes
Need to know
- Monthly interest structure
- Invoice quality is critical
- Debtor spread affects terms
Expert take
A high-capability facility for larger transport and logistics businesses. Operators with substantial monthly invoicing will find the scale here matches their working capital needs, and monthly-rate pricing rewards close cost management.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: The revolving credit element lets transport firms draw funds as invoices are raised, suiting seasonal haulage work or fluctuating delivery contracts. Annual rates from 5.5% keep costs predictable across the year. The trade-off: limits can be reviewed and costs may rise with heavier usage.
Best next step: Explore revolving credit for seasonal haulage
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit for flexibility
- Annual rates from 5.5%
- Up to £5m facility available
Need to know
- Limits may be reviewed
- Costs increase with usage
- Asset eligibility checks apply
Expert take
A flexible funder that fits transport businesses with uneven invoicing patterns. The revolving structure suits hauliers who need to draw against invoices as they arise rather than in fixed chunks.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: Two-hour funding decisions help courier and delivery firms facing same-day cash pressures like fuel top-ups or driver payments. Annual rates from 7.5% give cost clarity for budgeting. The trade-off: suitability depends entirely on the quality of the invoices being financed.
Best next step: See lender review for fast courier funding
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding decisions in 2 hours
- Annual rates from 7.5%
- Up to £500,000 available
Need to know
- Invoice quality determines terms
- Debtor concentration matters
- B2B invoices only
Expert take
A rapid-response lender well matched to transport operators who cannot afford to wait. Courier and last-mile delivery firms with decent commercial invoices will value the two-hour decision speed.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: At the lower end of the cost spectrum, monthly rates from 3% make 4syte worth comparing for established hauliers. Facilities from £26,000 to £3 million handle mid-to-large transport operations with consistent invoicing. The trade-off: secured elements and possible legal or valuation costs.
Best next step: Compare rates for established hauliers
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 3%
- Facilities from £26k to £3m
- Asset-based lending available
Need to know
- Legal or valuation costs possible
- Monthly interest structure
- Secured elements apply
Expert take
A versatile lender whose invoice and asset-based finance gives transport firms room to grow. Cost-conscious hauliers will find the lower entry rate attractive, and the secured structure reflects the broader funding available.
Source:https://www.4syte.co.uk/
Apollo finance
Published loan range£20,000 to £350,000
Rate typeinterest 6% to 14% annually
Overview: Apollo finance works with B2B transport businesses turning unpaid invoices into cash, with facilities from £20,000 covering typical mid-size haulier needs. Annual rates from 6% provide cost transparency. The trade-off: suitability depends on debtor quality and invoice concentration.
Best next step: Check fit for mid-sized transport operations
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Annual rates from 6%
- Facilities from £20,000
- 24-hour funding available
Need to know
- Invoice quality is essential
- Debtor spread affects terms
- B2B invoices required
Expert take
A compact invoice finance option for transport firms with moderate facility needs. Mid-sized hauliers and freight operators with creditworthy commercial clients will find the annual-rate structure straightforward and manageable.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC brings bank-grade invoice finance with sales ledger management to transport firms, which can offload credit control while accessing working capital. Facilities from £1,000 suit smaller operators. The trade-off: bank underwriting is slower and stricter than alternative lenders.
Best next step: See lender review for bank-backed facilities
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Sales ledger management included
- Bank-grade facility security
- Facilities from £1,000
Need to know
- Stricter underwriting applies
- Slower approval than alternatives
- Trading history needed
Expert take
A mainstream banking choice for transport businesses that value stability and bundled credit control. Established hauliers with clean accounts will move through the underwriting smoothly, and the sales ledger management saves time on credit control.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide offers both factoring and invoice discounting, so transport firms can choose whether to retain credit control or hand it over. Facilities from £500 to £20 million span solo couriers to large fleets. The trade-off: bank-style underwriting brings stricter checks.
Best next step: Compare factoring and discounting options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Factoring and discounting options
- Wide range £500 to £20m
- Annual rates from 5%
Need to know
- Bank underwriting applies
- Security may be required
- Trading history expected
Expert take
A digital-first bank lender with genuine choice between disclosed and confidential invoice finance. Smaller transport operators gain from the low entry point, and larger fleets can access substantial facilities.
Invoice Finance Calculator
How invoice finance works for UK transport and logistics companies
Transport and logistics firms often wait 30 to 90 days for freight brokers and corporate clients to settle invoices. Invoice finance lets you unlock that cash sooner. A lender advances a percentage of each invoice value — eCapital confirms advances up to 90% — typically within 24 to 48 hours. You receive the balance, minus fees, once your customer pays.
This facility suits haulage and courier operations where fuel, maintenance, and driver wages must be paid upfront. Unlike a bank overdraft, the facility grows with your sales ledger. The more you invoice creditworthy customers, the more working capital becomes available. Most providers on this page require a personal guarantee. Homeowner status rarely matters in transport invoice finance; only 4syte confirms a homeowner requirement among the listed lenders.
Invoice factoring vs invoice discounting for UK haulage firms
Transport operators choosing invoice finance face a key decision: factoring or discounting. With factoring, the lender takes over credit control and chases payments on your behalf. Your customers know the facility exists. This works well for smaller haulage firms that lack a dedicated credit control team and want to reduce admin burden. Tide Bank offers both factoring and discounting options.
Invoice discounting keeps the facility confidential. You continue managing your own sales ledger and collecting payments. This suits established transport companies with strong in-house credit control who prefer to protect client relationships. Finance for enterprise offers terms from 3 months to 6 years, giving operators flexibility regardless of which route they choose. The right option depends on your team size, client relationships, and appetite for outsourced credit management.
What UK transport operators should compare when choosing invoice finance
Transport operators should look beyond headline rates. Several factors shape the real cost and fit of a facility. Rates vary by structure: Treyd publishes monthly interest from 1.4% to 2.5%. Several annual-rate lenders — including eCapital, Time Finance, and Apollo finance — sit broadly in the 6% to 14.5% per year range. Always check whether a rate is monthly or annual before comparing.
Facility limits differ markedly. Finance for enterprise and HSBC Bank accept facilities from £1,000, while WeDo Business Finance can fund up to £25,000,000 for larger fleets. Turnover thresholds also matter: eCapital requires £60,000 annually, 4syte needs £300,000, and Treyd and WeDo ask for £500,000.
| Lender | Rate structure | Facility range |
|---|---|---|
| Treyd | 1.4% to 2.5% monthly | £15,000 to £1,000,000 |
| eCapital | 7% to 14.5% per year | Up to £500,000 |
| Finance for enterprise | 6.5% to 13.5% per year | £1,000 to £2,000,000 |
| WeDo Business Finance | 3.5% to 9.5% monthly | Up to £25,000,000 |
Most lenders require a personal guarantee and base advances on debtor quality, meaning your customers' credit ratings affect how much you can draw.
How transport businesses use invoice finance to manage fuel, fleet, and wage costs
Transport businesses face unique cash flow pressures. Fuel must be paid at the pump, often weekly. Vehicle maintenance and MOTs cannot wait. Driver wages and subcontractor payments are non-negotiable. Meanwhile, freight brokers and large corporate clients routinely pay on 60-day terms.
Invoice finance bridges this gap. Rather than dipping into reserves or turning down new contracts while waiting for payment, hauliers can draw against issued invoices and keep operations moving. The facility adapts to seasonal demand: courier volumes typically spike in November and December, and invoice finance scales up automatically with higher invoicing. In quieter months, you only pay for what you use.
All ten lenders on this page offer invoice finance suitable for UK transport operators. Key differences lie in rate structure, facility size, and minimum turnover requirements, as covered in the comparison above.
