In today’s business landscape, managing cash flow efficiently is critical — especially for SMEs and growing companies. One of the most effective ways to unlock working capital quickly is through Invoice Finance.
At Sorbus Finance, we understand that no two businesses are alike. That’s why we offer a tailored service to help UK businesses compare the most suitable invoice finance providers on the market. Whether you’re new to the concept or seeking a better deal, this blog explains the key differences between top lenders and how we can support your search.
What Is Invoice Finance?
Great question! Invoice Financing is a funding solution that allows businesses to unlock the value of unpaid invoices before their due date. Rather than waiting 30, 60 or even 90 days to be paid, companies can access up to 95% of the invoice value almost immediately.
There are two primary types:
- Invoice Factoring: The lender provides funding and also manages credit control.
- Invoice Discounting: The funding is confidential, and your business retains control of collections.
Both options can provide a vital cash flow lifeline — particularly for businesses with long payment terms or seasonal trading patterns.
Why Comparing Providers Matters
Not all Invoice Finance providers are created equal. Each lender has its own approach when it comes to pricing, sector appetite, contract terms, and level of service. That’s where Sorbus Finance comes in — we help you navigate the market and match with lenders that suit your business goals.
Let’s take a closer look at four of the UK’s key invoice discounting providers — Close Brothers, Ultimate Finance, Lloyds Bank, and Investec Capital Solutions — and what makes each one unique.
Close Brothers Invoice Finance
Close Brothers is one of the UK’s leading independent lenders for both assets and invoices. Known for its relationship-driven approach, the lender is particularly strong in supporting SMEs in sectors like manufacturing, engineering, and wholesale.
Key Benefits:
- Up to 90% funding against invoice values
- Flexible facilities that grow with your turnover
- Personal relationship managers, offering tailored service
- Both factoring and confidential invoice discounting available
Risk Appetite: Generally conservative, Close Brothers looks for businesses with established trading history and stable debtor books. They place a strong emphasis on long-term financial sustainability.
Ideal For: SMEs that value personalised support and need dependable, ongoing cash flow solutions.
Ultimate Finance
Ultimate Finance has gained a reputation for agility and responsiveness, making it ideal for businesses that need to move quickly. They offer factoring and discounting facilities up to £10 million and are open to a wide range of business models.
Key Benefits:
- Up to 95% invoice funding
- Fast setup – often within 5 working days
- Optional services like bad debt protection
- Suitable for both B2B and service-led companies
Risk Appetite: More flexible than traditional banks, Ultimate Finance is often willing to support businesses with irregular trading patterns or those undergoing rapid growth.
Ideal For: Businesses in recruitment, construction, transport, and consultancy sectors — especially those looking for fast access to funding and fewer hoops to jump through.
Lloyds Bank Invoice Finance
Lloyds is one of the UK’s largest and most trusted banking groups, and their offering is backed by robust infrastructure and digital systems.
Key Benefits:
- Up to 90% advance rate
- Seamless integration with online banking
- Debtor protection and credit control options
- Confidential or disclosed facilities available
Risk Appetite: Lloyds tends to have a more traditional risk assessment model, meaning they prefer established companies with solid credit profiles and turnover upwards of £250,000.
Ideal For: Medium to large businesses that want to deal with a high-street name and require a full suite of banking services alongside Invoice Finance.
Investec Capital Solutions
Investec takes a more boutique approach to Invoice Finance, often working with mid-market businesses and financial sponsors. They focus on custom-built solutions and offer strategic flexibility for more complex funding requirements.
Key Benefits:
- Bespoke invoice discounting structures
- Strategic funding for corporate transactions
- Partnership approach to lending
- Often integrated with asset-based lending solutions
Risk Appetite: Investec supports ambitious businesses and is open to higher-value or event-driven lending. Their facilities are well-suited to businesses undergoing mergers, acquisitions, or restructures.
Ideal For: Growing mid-sized firms with complex funding needs and a desire for a more consultative funding relationship.
How Sorbus Finance Can Help
At Sorbus Finance, we take the guesswork out of finding the right Invoice Finance provider. We work with a carefully selected panel of lenders — including the four above — and we take the time to understand your specific needs.
Here’s what we offer:
✅ Independent Advice – We’re not tied to one lender, so our recommendations are always in your best interest.
✅ Tailored Matching – We assess your turnover, sector, debtor book, and growth plans to pair you with the right provider.
✅ Negotiation Support – We ensure you get competitive rates, transparent fees, and flexible terms.
✅ Ongoing Relationship – Our role doesn’t end once funding is approved. We stay involved to make sure the facility continues to serve your business effectively.
Conclusion: Finance That Works for You
Financing invoices isn’t just a short-term fix — it can be a long-term cash flow strategy that supports sustainable business growth. But choosing the right provider is essential. Whether you need a lender with a strong digital platform, one that specialises in your industry, or a funder with a more flexible approach to risk, we’re here to help.
At Sorbus Finance, we specialise in connecting UK businesses with lenders that fit. Let us guide you through the options and secure a facility that gives your business the freedom to grow on your terms.
📞 Ready to explore Invoice Finance options? Get in touch with the team at Sorbus Finance today for a free, no-obligation consultation.
P.S We have a great FREE GUIDE to Invoice Finance too!