Structuring a £100k to £250k invoice finance facility
Characteristics of a £100k - £250k facility
Factoring dominates
Disclosed factoring is the standard product, providing both cash and outsourced credit control.
High growth potential
Lenders look for rapidly growing businesses that will quickly scale the facility limit upward.
Director guarantees
Personal Guarantees (PGs) are standard practice to secure the facility alongside the debenture.
Navigating the transition to whole-ledger funding
For businesses seeking £100k to £250k, this is often their first experience with whole-ledger finance. You are transitioning from funding cashflow via ad-hoc overdrafts or spot factoring into a structured, revolving facility.
At this stage, lenders are evaluating:
- Ledger spread: Do you have 10-20 regular customers, or are you entirely reliant on one major contract?
- Systems: Are you using professional accounting software (Xero, Sage) to raise and track invoices accurately?
- Paper trail: Can you provide clean proof of delivery or signed timesheets for the work you invoice?
Key planning considerations
Minimum fee traps
Ensure the minimum annual fee aligns with your realistic turnover. Don't accept a high minimum fee based on overly optimistic sales forecasts.
Concentration limits
If one client drives 50% of your revenue, ensure the lender agrees to a high concentration limit, otherwise half your ledger will be unfunded.
Who you could speak to
- STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
- STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
- STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
- STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.
Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.
Client journey
Explore real client journeys
Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.
Browse anonymised case studiesStart with a conversation
Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.
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Optional: Business Finance Health Check
Before applying for £100k-£250k invoice finance, understand your lending readiness, resilience score, and exit strategy, in under 5 minutes.
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Email us anytime
hello@sorbusfinance.co.ukIn almost all circumstances we do not charge a broker fee. Should a broker fee be chargeable you will be made aware clearly in advance and it will be agreed in writing before you proceed. Read our Initial Disclosure.
Sorbus Finance acts as a credit broker/introducer, not a lender. We can introduce you to lenders on our selected panel and do not search the whole market. We do not provide advice or a recommendation. Lenders determine eligibility, pricing and final terms. We may receive commission from a lender; the amount and method can vary and may affect what you pay. Read our Commission Disclosure and Complaints Procedure.
Frequently asked questions
Common questions from UK businesses about £100k - £250k facilities.
Ready to discuss your requirements?
Speak to a Sorbus Finance specialist about a suitable £100k - £250k facilities structure for your business. Free, no-obligation comparison across lenders on our selected panel.