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There is no universal minimum turnover. Providers assess the required facility, monthly invoicing, annual eligible turnover, debtor quality and invoice evidence separately. Smaller or newer businesses may be considered for selective products, but availability and pricing vary by provider.

Yes, but lender appetite varies. With a concentrated debtor book (say, two or three major customers) some lenders apply "concentration limits" capping how much of a single customer's invoices they'll advance. Selective invoice finance and spot factoring are well-suited to small businesses with a handful of regular B2B customers.

After approval and set-up, some providers may release funds against eligible, verified invoices within 24 hours. Some may offer same-day drawdown, but timing depends on checks, documentation, the invoice and the provider.

Invoice finance works best for B2B businesses invoicing other companies or the public sector on credit terms. It is used widely in recruitment, construction, manufacturing, IT services, logistics, and professional services. It is not suited to retail or B2C businesses where customers pay immediately at point of sale.

Factoring is normally disclosed because the provider manages collections. Some discounting facilities may operate confidentially, but providers can require verification, notice or customer contact under defined circumstances. Do not assume confidentiality or a turnover threshold.

Costs commonly include a service fee based on invoice value and a discount charge calculated annually on funds used, plus any minimum, audit, transfer or termination fees. Quotes differ by provider, so compare the complete pounds cost on the same assumptions rather than combining monthly and annual percentages.