Top Wholesale Invoice Finance Providers in the UK 2026
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Top wholesale invoice finance providers compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Intermediaries funding wholesale portfolios with monthly rate pricing structures | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | eCapital | Wholesale brokers wanting rapid facility setup with annualised costs | Up to £500,000 | interest 7% to 14.5% annually |
| 3 | Finance for enterprise | Intermediaries needing portfolio funding from a low entry threshold | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 4 | WeDo Business Finance | Large wholesale funders requiring facilities up to twenty-five million | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 5 | Time Finance | Established factoring firms seeking mid-market wholesale funding lines | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 6 | PennyFreedom | Smaller brokers needing fast-access wholesale portfolio funding | Up to £500,000 | interest 7.5% to 15% annually |
| 7 | 4syte | Wholesale finance companies funding portfolios from twenty-six thousand pounds | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 8 | Kriya Finance | Established intermediaries needing wholesale lines with annualised pricing | Up to £500,000 | interest 5.49% to 10.59% annually |
| 9 | HSBC Bank | Smaller wholesale arrangements through a high-street banking provider | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 10 | Tide Bank | Wholesale operators needing flexible factoring from a digital bank | £500 to £20,000,000 | interest 5% to 11.5% annually |
Wholesale invoice finance is a form of invoice finance where a provider supplies funding lines to other finance companies, brokers, or large corporates that manage their own sales ledgers. It suits intermediaries and factoring firms that need capital at scale to fund multiple client portfolios without referring each debtor to a third party. Facilities typically range into the millions, matching the volume demands of wholesale operations.
Comparing wholesale invoice finance providers goes beyond headline rates. Facility size is critical; the provider must accommodate portfolio-level funding, not just single-client limits. Look at whether the funder offers block discounting or disclosed factoring, as wholesale structures often require confidentiality. Advance rates against debtor books, concentration limits, and the treatment of credit insurance all shape the real cost and flexibility of the line.
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: For wholesalers funding supplier payments before customer invoices settle, Treyd bridges that gap directly. Facilities stretch to £1 million with monthly pricing between 1.4% and 2.5%. Funding arrives within 24 hours. The underwriting leans on debtor quality, purchase order strength and stock liquidity rather than the borrower's balance sheet alone.
Best next step: See if Treyd fits your wholesale cycle
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds supplier and stock payments directly
- Decisions based on debtor quality
- Up to £1 million facility available
Need to know
- Monthly pricing not annual
- Requires strong purchase orders
- Customer payment behaviour matters
Expert take
A trade-focused funder that works well for wholesalers whose cash is tied up in stock and supplier commitments. The purchase-order-driven model fits businesses where invoice financing alone would miss the working-capital pinch point.
Source:https://www.treyd.io/
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: Speed wins when wholesale stock needs to move fast and cash is tight. eCapital can release funds within an hour against unpaid B2B invoices, with facilities reaching £500,000. Annual pricing sits between 7% and 14.5%. The trade-off is that underwriting leans heavily on invoice quality and debtor concentration.
Best next step: Check eCapital's wholesale invoice terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding possible within one hour
- Straightforward invoice-backed advances
- Up to £500,000 facility size
Need to know
- Pricing is 7% to 14.5% annually
- Debtor concentration matters
- Invoice quality drives approval
Expert take
A rapid-response funder best suited to wholesale businesses that need same-day liquidity against outstanding invoices. The one-hour turnaround makes it a strong first-call option where speed outweighs facility size.
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: Annual rates from 6.5% keep borrowing costs predictable for wholesale businesses running recurring invoice finance lines. The facility range spans £1,000 to £2 million, with asset-based lending and revolving credit bundled alongside invoice finance. Funding takes around three days. A solid trading history and affordability evidence are typically required.
Best next step: Explore Finance for enterprise rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 6.5%
- Facilities up to £2 million
- Revolving credit also available
Need to know
- Strong trading history needed
- Funding takes around three days
- Personal guarantee may be required
Expert take
A flexible lender whose combined invoice finance and asset-based lending model suits wholesalers needing more than a straightforward factoring line. The rate structure favours established businesses with consistent turnover.
WeDo Business Finance
Published loan rangeUp to £25,000,000
Rate typeinterest 3.5% to 9.5% monthly
Overview: Few invoice finance providers match the ceiling WeDo brings to wholesale desks. Facilities climb to £25 million, making it a realistic option for factoring companies, brokers and large corporates financing invoice portfolios at scale. Monthly pricing runs from 3.5% to 9.5%. Funding typically lands within 24 hours.
Best next step: View WeDo's large-facility invoice terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities available up to £25 million
- Funding within 24 hours
- Suits portfolio-level invoice financing
Need to know
- Monthly pricing, not annual
- Higher rates at upper risk bands
- Debtor quality heavily scrutinised
Expert take
A high-ceiling provider built for wholesale invoice finance at scale. Intermediaries and factoring desks needing eight-figure lines will find the facility range here hard to match elsewhere in the UK market.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Wholesale businesses with seasonal or repeat working-capital cycles suit Time Finance's flexible drawdown structure. Invoice finance, asset-backed lending and revolving credit sit under one roof, with facilities reaching £5 million. Annual rates run from 5.5% to 13.5% and funding lands within 24 hours. Asset eligibility checks apply to secured elements.
Best next step: Check Time Finance's revolving terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible drawdown for seasonal cycles
- Invoice and asset finance combined
- Facilities available up to £5 million
Need to know
- Asset eligibility checks required
- Limits may be reviewed periodically
- Costs can rise with usage
Expert take
A multi-product lender whose revolving credit arm adds flexibility for wholesalers that do not want a rigid invoice finance line. The combined offering works well for businesses with both receivables and tangible assets.
Source:https://www.timefinance.com/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: PennyFreedom turns unpaid wholesale invoices into working capital within two hours, which helps when supplier deadlines loom. Facilities cap at £500,000 with annual pricing from 7.5% to 15%. The speed suits smaller wholesale desks that need quick, straightforward advances without lengthy underwriting.
Best next step: See PennyFreedom's wholesale funding speed
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding released within two hours
- Straightforward invoice advances
- Up to £500,000 facility
Need to know
- Annual pricing up to 15%
- Invoice quality drives terms
- Larger facilities not available
Expert take
A fast-moving funder for wholesale businesses that value speed over facility size. The £500,000 cap means this suits smaller trading desks or as a top-up line alongside a larger wholesale facility.
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Wholesale businesses carrying significant stock will find 4syte's combined invoice and trade finance approach relevant. Facilities range from £26,000 to £3 million, with monthly pricing between 3% and 9.5%. The lender looks at debtor quality, stock liquidity and overall asset position when underwriting. Funding arrives within 24 hours.
Best next step: Explore 4syte's trade and invoice terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Combines invoice and trade finance
- Facilities from £26,000 to £3 million
- Funding within 24 hours
Need to know
- Monthly pricing structure
- Requires stock and asset review
- Legal or valuation costs possible
Expert take
A secured lender whose trade and stock finance overlay makes it a natural fit for wholesale businesses that need funding against both receivables and physical inventory, rather than invoices alone.
Source:https://www.4syte.co.uk/
Kriya Finance
Published loan rangeUp to £500,000
Rate typeinterest 5.49% to 10.59% annually
Overview: Annual pricing from 5.49% keeps Kriya competitive for wholesale businesses seeking straightforward invoice discounting. Facilities reach £500,000 and funds typically land within 12 hours. The lender suits growing wholesale desks that need reliable access to working capital, though strong trading history and debtor quality are factored into underwriting decisions.
Best next step: Check Kriya's wholesale invoice rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5.49%
- Funding within 12 hours
- Up to £500,000 facility
Need to know
- Strong trading history expected
- Personal guarantee may apply
- Invoice quality affects terms
Expert take
A cost-conscious option for wholesale businesses that prioritise rate over facility size. The annualised pricing structure makes comparisons straightforward, and the 12-hour turnaround keeps cash flowing for smaller wholesale desks.
Source:https://www.kriya.co/
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: A high-street bank offering invoice finance with sales ledger management brings institutional backing to wholesale funding arrangements. Facilities run from £1,000 to £300,000 with annual rates between 8.6% and 11.3%. Bank-grade underwriting means slower approval and stricter eligibility, with funding taking around 48 hours.
Best next step: View HSBC's invoice finance terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Bank-backed invoice finance
- Sales ledger management included
- Annual pricing from 8.6%
Need to know
- Slower bank underwriting process
- Strong trading history required
- Facility capped at £300,000
Expert take
A mainstream bank option for wholesale businesses that prefer institutional relationships over specialist funders. The modest facility ceiling and longer turnaround mean this suits smaller wholesale desks with patient timelines.
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 Bank's invoice finance facility reaches £20 million, making it one of the few bank-backed options capable of funding wholesale invoice portfolios at scale. Both factoring and discounting are available, with annual rates from 5% to 11.5% and funding within 24 hours. Underwriting includes security requirements and trading history checks.
Best next step: Explore Tide's wholesale factoring terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £20 million
- Factoring and discounting options
- Annual rates from 5%
Need to know
- Bank underwriting applies
- Security requirements likely
- Legal and valuation costs possible
Expert take
A rare bank-backed lender with a facility ceiling large enough for serious wholesale invoice finance. The combination of institutional credibility and eight-figure capacity makes it relevant for intermediaries and large trading desks.
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How wholesale invoice finance works for wholesale businesses
Wholesale businesses typically operate on extended payment terms, often 30 to 90 days, while needing to pay suppliers upfront for stock. Wholesale invoice finance lets you unlock cash tied up in unpaid sales invoices rather than waiting for customers to pay.
A wholesale invoice finance provider advances a percentage of your outstanding invoice value, usually up to 90% as confirmed by eCapital, within days of raising the invoice. The provider then collects payment from your customers when the invoice falls due. Once payment is received, you get the remaining balance minus the provider's fee.
This differs from standard invoice finance in scale. Wholesale facilities are designed for businesses or intermediaries handling large invoice volumes. Some providers on this list offer facilities reaching into the millions. WeDo Business Finance, for example, publishes facilities up to £25,000,000. For wholesale distributors and intermediaries, this model smooths the gap between paying suppliers and receiving customer payments, freeing working capital for new stock purchases.
Who uses wholesale invoice finance providers
Wholesale invoice finance providers serve a range of larger-scale borrowers. The most common users are wholesale distributors and trading companies that sell goods in bulk to retailers or other businesses on credit terms. These firms often hold significant debtor books and need funding lines that can grow with their sales volume.
Invoice finance intermediaries and factoring companies also use wholesale facilities. These businesses manage invoice portfolios on behalf of smaller clients and need a wholesale funding line to finance those invoices at scale. For this audience, facility size and flexibility matter more than basic eligibility.
Larger corporations with dedicated finance teams may also use wholesale invoice finance as part of a broader working capital strategy rather than relying on bank overdrafts or revolving credit. Eligibility varies across providers. Treyd requires a minimum turnover of £500,000. eCapital sets a lower threshold at £60,000. 4syte asks for £300,000. All providers listed here require a personal guarantee from directors. Most do not require homeownership, though 4syte and Kriya Finance do.
Facility sizes and pricing from wholesale invoice finance providers
Wholesale invoice finance providers offer a broad spectrum of facility sizes, from modest lines to multi-million-pound arrangements suited to large distributors and intermediaries.
| Provider | Facility range | Rate type |
|---|---|---|
| WeDo Business Finance | Up to £25,000,000 | 3.5% to 9.5% per month |
| Time Finance | Up to £5,000,000 | 5.5% to 13.5% per year |
| Finance for enterprise | £1,000 to £2,000,000 | 6.5% to 13.5% per year |
| Treyd | £15,000 to £1,000,000 | 1.4% to 2.5% per month |
| eCapital | Up to £500,000 | 7% to 14.5% per year |
Your actual rate depends on debtor quality, invoice volume, customer concentration risk, and whether you opt for disclosed factoring or confidential invoice discounting. Wholesale businesses with diversified debtor books and strong trading histories typically secure pricing at the lower end of these bands.
How wholesale businesses can access wholesale invoice finance lines
Accessing wholesale invoice finance in the UK starts with understanding what providers need to see. Most will review your debtor book in detail. They look at the credit quality of your customers, the average invoice value, and how concentrated your receivables are among a few large buyers. A wholesale distributor with hundreds of trade customers typically presents lower risk than one reliant on a single retail chain.
You will need to provide aged debtor reports, management accounts, and sales ledgers. Providers also check for any existing charges over your book, such as a debenture held by your bank. All providers on this list require a personal guarantee. This means directors accept personal liability if the business defaults. It is a standard feature of wholesale invoice finance, not a sign of weak credit.
The application process usually takes two to four weeks for larger wholesale facilities, though it can move faster if your financial records are well organised. Working through a broker can help you compare offers from multiple wholesale invoice finance providers in a single application.
