7 top invoice finance providers for businesses in 2025

Cash flow is the lifeblood of any business, and yet, late payments create one of the most persistent challenges. As our own research shows, 37% of small businesses have run into cash flow difficulties due to late payments, with average unpaid invoices totalling around £21,000 per business, a strain that contributes to the closure of 38 British businesses everyday. Such statistics underscore the importance of getting paid, and fast.

Invoice finance (whether via factoring or discounting) is a proven tool for converting outstanding invoices into immediate cash. Below, I spotlight 7 top providers in 2025, each “best” in its own right, because they excel in a particular area that may align with your business’ needs.

Comparison at a glance

The 7 top invoice finance providers by business need

 1. Lloyds Bank Invoice Finance: best for trusted scale with flexible options

• Advance: Up to 90% of invoice value, with funds often available within 24 hours once invoices are verified.

• Fees & terms: transparent pricing tailored to each business’s turnover and facility type. No standard setup fee, and facilities can be structured as full ledger, selective, or confidential arrangements.

• Services: offers invoice factoring, invoice discounting, and selective invoice finance options. The Invoice Finance Online portal lets businesses upload schedules, monitor payments, request funds, and view balances in real time — accessible from both desktop and mobile.

• Why Lloyds: as one of the UK’s biggest banks, Lloyds brings scale, reliability, and flexibility. Its experience and infrastructure mean fast processing and responsive support, while its range of facility types ensures there’s an option to fit nearly any business model. Lloyds is an ideal choice for companies seeking a stable, trusted partner that can grow with their funding needs.

2. Triver: best for instant, AI-powered invoice finance

• Advance: up to 98% of invoice value, typically within minutes of approval. Triver caps total funding at around 20% of your annual turnover – ideal for short-term working capital boosts.

• Fees & terms: no setup fees, no personal guarantees, and transparent, transaction-based pricing. You only pay for the invoices you choose to fund.

• Services: Real-time, selective invoice finance powered by Open Banking and AI. The platform connects directly to your accounting software, analyses your invoice data, and releases cash automatically once approved.

• Why Triver: Triver is redefining invoice finance for 2025. It raised £114 million to scale its automated lending platform and aims to support over £1 billion in SME funding. Invoices are typically funded in under five minutes, making it one of the fastest finance options on the market. It’s perfect for small businesses that want speed, flexibility, and full control, without the admin or personal guarantees traditional lenders require.

3. Skipton Business Finance: best for interest-free invoice finance

• Advance: up to 90% of invoice value (funding from £25k up to £5m)

• Fees: offers interest-free invoice factoring on certain facilities (no discount rate charged) ; no setup fees for new clients

• Services: both invoice factoring and discounting (including confidential discounting) are available

• Eligibility: established B2B businesses with turnover > £250,000 (including new businesses meeting that criterion)

• Why it’s good: Skipton is known for being small-business friendly, it’s one of the few providers to offer an interest-free period on advances, which can save you money. You can get funded within 24 hours of submitting an invoice, and even startups can qualify (a rarity in invoice finance). 

4. Cynergy Bank / Cynergy Business Finance:  relationship over transaction

• Advance: up to 90% of invoice value, usually paid within 24 hours of approval. Funding limits are tailored to business size and turnover, with options from £100k to £10m+.

• Fees & terms: competitive pricing on bespoke facilities; transparent structure agreed upfront. Facilities can include rolling or renewable contracts, depending on your needs.

• Services: full-service invoice finance and asset-based lending solutions, including factoring and discounting. Each client is paired with a dedicated relationship manager who understands their business and sector.

• Why Cynergy Bank: Cynergy combines the stability of a bank with the personalisation of a boutique lender. Its relationship-led approach means you get consistent support and funding that grows with your business. Cynergy is ideal for SMEs that value long-term partnerships, expert guidance, and flexible facilities designed to evolve as they scale.

5.  Novuna Business Cash Flow: selective funding with digital flexibility

• Advance: up to 90% of invoice value; funds can be released in as little as 24 hours once invoices are approved.

• Fees & terms: no setup fees, transparent rates, and short trial or contract periods (typically six months) to test the facility.

• Services: offers selective invoice finance and invoice discounting, allowing you to choose which invoices to fund and when. The digital platform integrates with accounting software for real-time updates, and all credit control stays in your hands.

• Why Novuna: Novuna (part of the Hitachi Capital group) brings together technology and flexibility. Its selective approach gives small business owners full control over which invoices they finance, without long-term commitment. Combined with fast onboarding and an easy-to-use online dashboard, Novuna is ideal for SMEs that want a modern, low-commitment approach to managing cash flow.

6. Bibby Financial Services: Best for maximising cash (100% invoice value)

• Advance: up to 100% of invoice value (with some products; typically ~90% for standard facilities)

• Fees & terms: no setup fees and simple bundled pricing (one all-in fee structure) for easier budgeting

• Contracts operate on rolling 28-day terms for flexibility

• Services: wide range of solutions, factoring, discounting, export finance, construction finance, and even a special Forward Finance program for small businesses (<£300,000 turnover)

• Why Bibby Financial Services: Bibby is one of the UK’s largest independent invoice finance companies, with 7,000 clients and 40+ years experience. It can advance the full value of your invoices (minus fees), which maximises your cash upfront. Small businesses benefit from Bibby’s tailored Forward Finance, pre-approved funds up to £50,000 and fast access even if you’re a lower turnover firm. With flexible 28-day contracts and a stellar customer service reputation, Bibby Financial Services is a top choice for businesses seeking high funding levels and customised support.

7. Close Brothers: best for medium to large businesses with bespoke needs

• Advance: up to 90% of invoice value, usually available within a day

• Approach: bespoke financing packages tailored to your business’s situation. Close Brothers evaluates your overall business potential and goals, not just your receivables

• Technology: award-winning IDeal™ platform for clients, which integrates with your accounting software and automatically reconciles invoice payments for efficiency

• Eligibility: aimed at larger SMEs, generally requires ≥£750,000 annual turnover for invoice discounting facilities (smaller businesses may not qualify).

• Why it’s good: Close Brothers Invoice Finance is a great match for established businesses that need a high level of service. Each client gets a dedicated manager to ensure you get the most from the facility.They can provide higher funding amounts and even additional lending against other assets. The IDeal portal lets you access funds 24/7 and simplifies admin by syncing with your accounts. While it has higher eligibility hurdles and an average online rating, Close Brothers shines for mid-sized companies that want a partner-minded provider to support their growth.

How to choose the right invoice finance provider

Finding the best provider depends on your business’s unique situation. Here are a few tips to keep in mind:

• Match to your needs: consider whether you need full invoice factoring or just financing while keeping your own collections. Some providers offer discounting only, while others do both, choose what aligns with how you want to manage customer relationships.

• Eligibility and scale: check the provider’s minimum requirements. 

• Ensure the provider’s funding limits can cover your typical invoice sizes and that they serve your industry.

• Fees and transparency: compare the total cost, not just the advance percentage. Invoice finance usually involves a discount rate plus service fees. Look for extras like setup fees, monthly minimum charges, or termination fees in contracts. 

• Flexibility: if you only need occasional funding, consider selective invoice finance (pick and choose invoices) instead of a whole-ledger contract. Also, note contract length as some lenders tie you in for over 12 months, while others offer rolling short-term agreements or no exit fees. 

• Reputation and support: finally, work with a provider you trust. Check reviews and ask about their client support structure. 

Final thoughts

In 2025, invoice finance providers have become more flexible and accessible than ever, meaning there’s likely one that fits your business’s scale, style, and goals. By choosing a provider whose “best” quality aligns with what matters most to you, whether that’s speed, flexibility, reputation, or relationship support, you can turn unpaid invoices from a cash flow challenge into an opportunity to grow. At Capitalise, we help our customers secure the funding they need, including helping them sort out invoice finance. So get in touch by starting a funding search and one of our dedicated funding specialists will be in touch.