Invoice discounting companies and providers
Use published product information to build a shortlist, then compare quotations using your own ledger and funding requirement.
Compare providers using your own business figures
These profiles summarise published products from four providers. They are a starting point for research, not a ranking or a whole-market comparison. Ask each provider to assess the same invoice balances and funding requirement.
| Provider | Published feature | What to confirm |
|---|---|---|
| HSBC UK | Up to 95% advance; UK and export invoices | Eligibility, exclusions, charges, security and setup timetable |
| Lloyds Bank | Up to 90%; confidential service | Eligibility, exclusions, charges, security and setup timetable |
| NatWest | Up to 90%; published £300,000 turnover minimum | Eligibility, exclusions, charges, security and setup timetable |
| Bibby Financial Services | Up to 95%; business retains collections | Eligibility, exclusions, charges, security and setup timetable |
Published features checked 24 October 2026. Maximum figures are conditional and do not describe a guaranteed offer.
HSBC UK invoice discounting: product profile
A source-based HSBC UK invoice finance profile, with published features, limitations and questions to ask before requesting a quotation.
Read the guide Provider profilesLloyds Bank invoice discounting: product profile
A source-based Lloyds Bank invoice finance profile, with published features, limitations and questions to ask before requesting a quotation.
Read the guide Provider profilesNatWest invoice discounting: product profile
A source-based NatWest invoice finance profile, with published features, limitations and questions to ask before requesting a quotation.
Read the guide Provider profilesBibby Financial Services invoice discounting: product profile
A source-based Bibby Financial Services invoice finance profile, with published features, limitations and questions to ask before requesting a quotation.
Read the guideHow to compare proposals
Send each provider the same debtor report, expected sales, average and peak drawings, collection history and forecast. Ask how much cash would be available at the start and what the facility would cost over a year. Include service minimums, audit and setup costs, credit protection and exit provisions.
What is the “best” invoice discounting company?
There is no universal answer. Look for a provider that accepts your invoices, offers enough funding for the cash gap and charges a total cost the business can afford. Also compare customer service, reporting requirements and exit terms.
Sources and verification
Published material checked on 24 October 2026. Provider terms can change; confirm them before applying. Examples and comparison methods are our own illustrations.
Ready to explore invoice discounting?
Estimate the funding your invoices could support, prepare your business information and discuss the options available.
Funding enquiries are handled through our Business Loan Options service.
