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Top invoice financing providers in the UK: 7 B2B options compared

In this guide, we compare 7 UK-based B2B invoice financing solutions based on use case, funding limits, credit risk, collections, integration, and more.

4 min read

February 27, 2026

If you’re searching for the top invoice financing providers in the UK, you might be:

A B2B small or medium-sized enterprise (SME) looking to access cash tied up in unpaid invoices – whether through invoice factoring or invoice discounting – so you can invest in growth or keep day-to-day operations running.
A B2B marketplace or platform that wants to help sellers get paid faster, without using your own capital, by embedding invoice financing into your product.
A large enterprise that wants to arrange early payments to suppliers through a provider via reverse factoring (also known as supply chain finance).

Picking the right partner is not always straightforward. Traditional factoring partners bring decades of market experience and established track records, but their processes are often slow and manual. Newer fintech providers offer fast, API-driven solutions, yet recent events – such as the collapse of Hokodo – show that innovation alone isn’t enough. A reliable partner also needs strong risk management and financial resilience to keep your cash flow secure.

To help you find the right invoice financing provider, we’re breaking down and comparing seven of the top invoice financing providers in the UK.

Looking for an embedded, API-first financing partner built for scale? Book a demo with Aria to see how it works.

Comparing top invoice financing providers in the UK for B2B

Provider	Best for	Max funding	Collections	Credit risk
Aria	B2B marketplaces, retailers, B2B SaaS, and enterprises with minimum annual turnover of €200k; threshold is flexible for hyper-growth companies	Up to 100% of invoice value	Aria handles collections in-house	Aria holds the credit risk, offering 100% default protection
Bibby Financial Services	B2B SMEs that trade on credit terms¹	Up to 95% of invoice value¹	Bibby, with invoice factoring; You, with invoice discounting¹	You hold the credit risk, but Bad Debt Protection is an optional add-on²
Close Brothers Invoice Finance	SMEs with a minimum turnover of £750k³	Up to 90% of invoice value⁴	Close Brothers, with invoice factoring; You, with invoice discounting⁴	You hold the credit risk, but Bad Debt Protection is an optional add-on⁵
Aldermore	SMEs with a minimum annual turnover of £750k⁶	Up to 90% of invoice value⁶	Aldemore, with invoice factoring; You, with invoice discounting⁶	You hold the credit risk, but Bad Debt Protection is an optional add-on⁷
Sonovate	Recruitment agencies, consultancies, & labour marketplaces with minimum annual turnover of £50,000⁸	Up to 100% of invoice value⁹	Sonovate handles collections⁹	Bad debt protection is included⁹
TRIVER	SMEs (Limited company or LLP) active for more than two years with an annual turnover of over £100k¹⁰	Any invoices between £100 and £100,000, up to facility limit (max £400,000)¹⁰	You handle collections¹⁰	You hold the credit risk¹⁰
Kriya	B2B merchants that have been trading for at least three months¹¹	Up to 90% of invoice value¹²	You handle collections with invoice financing¹² Kriya handles collections with its PayLater solution¹³	You hold the credit risk with invoice financing¹² Kriya holds credit risk with its PayLater solution¹³

Aria: B2B embedded invoice financing built for scale

Aria embedded invoice financing for B2B platforms

Aria is an embedded invoice financing solution designed for:

B2B marketplaces: Embed Aria into your platform so sellers can request instant payments on invoices when they need them – without you fronting the cash.
B2B merchants: Offer extended payment terms to your buyers (online or offline), then request early payment from us on unpaid invoices.
Enterprises: Arrange early payments for suppliers through an automated reverse factoring setup; we pay your suppliers upfront, and you repay us later on extended terms.
High-growth software platforms: Integrate Aria directly into your SaaS product to offer customers instant access to invoice payments.

With 65+ live clients, Aria has already funded over €1 billion in invoices – and we’re built to support far more. Here’s what you can expect when you partner with us:

Finance more invoices with an API-first solution backed by reputable investors

Aria has a total annual funding capacity of €2.5 billion and can advance up to 100% of an invoice, often within 24 hours. So far, we’ve funded more than 90% of submitted invoices. We also have no rigid volume requirements. You or your suppliers are free to finance one unique invoice, the entire flow, and anything in between.

Because Aria underwrites the buyer, not the supplier, we can fund the invoices of small businesses and long-tail suppliers that are typically rejected by traditional providers.

Our AI-powered risk scoring works alongside built-in KYB/KYC checks across 100+ countries to assess solvency, set credit limits, and approve invoices instantly. With 92% instant decisioning and a 0.1% default rate, our system enables financing to happen quickly without compromising on risk protection.

Enjoy peace of mind with fully managed collections and protection

Financing is also about managing risk. Who handles collections of late payments? And what happens if a buyer defaults?

Aria handles collections in-house, prioritising human-centric recovery. During implementation, we run workshops where our relationship manager will agree with you on messaging and timing so that everyone’s aligned.

Our invoice validation tools, including automated endpoints and a one-click validation widget, help prevent disputes by ensuring we only advance funds on confirmed invoices.

On top of that, we offer 100% default protection for most financed invoices, so you don’t have to absorb the loss if a buyer doesn’t pay. If you’re a financially mature company, you’re also free to mix recourse and non-recourse financing per invoice, which gives you the option to take on more risk for higher credit limits.

Simplify payments with Aria’s embedded APIs and automation

Implementing invoice financing shouldn’t slow you down or complicate your operations.

Aria’s APIs bring financing into your workflow without adding steps or delays. Connect our REST APIs wherever it works for you – POS, ERP, CRM, and so on – and we pull invoices and user data as soon as they’re generated. No manual uploads, no extra portal logins.

User onboarding is self-service, checks are automated, and 99% of payments flow automatically according to your rules. Meanwhile, our flexible fee structure lets you absorb costs or pass them on to suppliers – it’s your choice.

Aria also makes it easy to scale. We support over 100 countries and multiple currencies (GBP, EUR, USD), so you can expand into new markets without adding another provider.

Job&Talent replaces 20 different factoring partners with one provider: Aria

Job&Talent, an AI-powered staffing platform connecting 300,000 workers across 10 countries, pays workers upfront while letting clients pay 30–60 days later.

To make this happen, Job&Talent originally relied on 20+ factoring providers across multiple jurisdictions. Financing took an average of 14 days, which was becoming much too slow for a fast-growing platform.

Aria changed that. With a NetSuite integration, invoices flow automatically from Job&Talent’s ERP to Aria the moment they’re created. Credit checks happen in real time, payments are processed within 24 hours, and collections are tracked automatically, freeing the team from hours of manual work.

According to Zandre Coetzee, Aria’s VP of Finance, “If Aria disappeared tomorrow, we’d take at least a two-week cash hit and be back to heavy manual work.”

With the system running smoothly, Aria and Job&Talent are bringing their partnership to Belgium and France.

Read the full story here.

Bibby Financial Services: Traditional invoice financing across the UK, Europe, & Asia

Bibby Financial Services is ideal for SMEs that sell to other businesses on credit terms. Operating across the UK, Europe, and Asia, BFS supports over 8,500 businesses across 300 industries with its flexible funding solutions.¹⁴

You can choose between two invoice financing models:

Invoice factoring, where you sell your invoices to Bibby, and they handle collections on your behalf¹⁵
Invoice discounting, a confidential arrangement where you borrow against your invoices while maintaining control of collections¹⁶

Bibby Financial Services has a traditional financing flow. You submit outstanding invoices through BFS’s secure online portal, and then receive up to 95% of the invoice value within 24 hours. Once your customers settle their invoices, the remaining balance is released to you, minus BFS’s fee.

Bibby Financial Services also offers Bad Debt Protection, an optional add-on that can cover up to 90% of unpaid invoices and help you manage the risk of buyer defaults.²

Close Brothers: A flexible funding partner for established UK businesses

Close Brothers serves B2B businesses with a minimum turnover of £750k per year, particularly those looking to finance all invoices rather than a few select invoices.³ Operating across the UK, it serves industries such as recruitment, food & drink, manufacturing, and professional services.

Close Brothers offers both invoice factoring and invoice discounting. With invoice factoring, you sell your invoices to Close Brothers, who then manage collections on your behalf.³ You get an online account to view your facility at any time, making it easy to track outstanding invoices and available funding.

With invoice discounting, you retain responsibility for collections. Close Brothers’s IDeal™ software integrates directly with your accounting system, which helps eliminate paperwork and makes month-end reconciliations easier.¹⁷

With Close Brothers, you can access up to 90% of your unpaid invoice value immediately, with the remaining balance paid once the buyer settles, minus a pre-agreed fee.⁴

Bad Debt Protection is offered as an optional add-on, which includes up to 100% coverage of unpaid invoices by pre-approved customers after Close Brothers’ credit checks.⁵

Aldermore: Fast invoice financing for growing UK SMEs

Aldermore provides quick and flexible invoice financing for UK SMEs across a variety of industries. It’s best suited for businesses that generate invoices for products or services on credit, with a minimum turnover of £750,000.⁶

Aldermore offers both invoice factoring (where Aldermore manages collections and credit control on your behalf) and invoice discounting (where you retain control of collections and customer relationships).

Through Aldermore’s online E3 Portal, you upload invoices, review your account, and check funding availability in real time. Aldermore can advance up to 90% of the invoice value upfront, typically within 24 hours.⁶ Once your customer pays the invoice in full, the remaining balance is released to you, minus an agreed fee.

For additional peace of mind, optional Bad Debt Protection is available to help protect your business against non-payment. This can cover up to 95% of the outstanding debt (excluding VAT) on approved balances over £500.⁷

Sonovate: Financing for recruitment, consultancies, freelance platforms

Sonovate specialises in invoice financing for businesses in the contingent workforce space.

It caters to recruitment agencies, consultancies, and freelance platforms or marketplaces, with a minimum annual turnover of £50,000.⁸ Headquartered in the UK, Sonovate supports international growth, having funded businesses operating in more than 40 countries.

Sonovate can advance up to 100% of the value of outstanding invoices. Its technology integrates directly with leading accounting software to automatically sync invoice and payment data. Its payment and funding capabilities can also be embedded via APIs into your own platform.¹⁸

Sonovate manages client communications and collections to ensure invoices are paid in full and on time. Additionally, 95% bad debt protection is included as standard, helping reduce exposure to non-payment.⁹

TRIVER: A straightforward financing solution for short-term cash flow

TRIVER offers flexible invoice funding for UK Limited companies and LLPs trading B2B with commercial or public sector clients.¹⁰ It serves businesses that:

Have been operating for at least two years
Generate more than £100,000 in annual turnover
Can connect their bank account via Open Banking

Setting up a facility with TRIVER is fully online. Once approved, you select the invoice you’d like to fund and upload it through the platform. TRIVER transfers the agreed advance directly to your business bank account, often immediately. When your customer pays the invoice, repayment is collected automatically by direct debit.

You can fund individual invoices between £100 and £100,000, with an overall facility limit of up to £400,000. TRIVER operates invisibly to your customers, so you continue managing collections. Pricing is based on a single discount fee calculated using a daily rate, and you can pause the facility at any time with no penalty.

Kriya: Invoice financing for modern B2B merchants

Kriya provides invoice financing designed for modern B2B merchants that have been operating for at least three months.11 Funding is available in more than 45 countries and supports multiple currencies, including GBP, USD, EUR, and AUD.¹²

Invoice financing is managed through Kriya’s Merchant Portal.¹² You upload your invoice along with your buyer’s details, and Kriya performs an instant credit assessment to approve the invoice and assign a buyer limit. Once goods or services have been delivered, Kriya can advance up to 90% of the invoice value within 24 hours.¹²

Your customer pays into your dedicated Kriya trust account, and you remain fully responsible for collections and credit control. After payment is received, the remaining balance is reconciled and released to you. The platform also integrates with accounting software to simplify tracking and reconciliation.

Kriya also has a Buy Now, Pay Later (BNPL) product, called Embedded PayLater, which comes with default protection.¹³

Partner with Aria for embedded invoice financing built for modern B2B

Invoice financing can help businesses unlock working capital tied up in receivables, pay suppliers faster, and reinvest in growth – but only if the provider fits your model and risk appetite.

Aria delivers embedded, API-driven invoice financing with advances of up to 100%, managed collections, and built-in default protection.

Book a demo today to see how Aria integrates directly with your systems to advance invoice payments, freeing your cash to fund operations and growth.

FAQs: Top invoice financing providers in the UK

Who are the top invoice financing providers in the UK?

Top UK providers can be grouped by focus and model. Aria offers embedded, API-first invoice financing services for B2B marketplaces, B2B merchants, and enterprises, with fully managed collections and default protection. Traditional lenders like Bibby Financial Services, Close Brothers, Aldermore, and Lloyds Bank serve SMEs, offering various types of invoice finance, including factoring and discounting, and in some cases broader asset-based lending facilities.

Specialist platforms target particular industries; for example, Sonovate focuses on recruitment agencies, consultancies, and freelance marketplaces. Fintech providers like TRIVER and Kriya target B2B merchants looking to access funds quickly to manage business cash flow.

Your top choice will depend on your business type, scale, and whether you need embedded financing, standalone funding options, or more tailored solutions aligned with your business needs.

How do I choose among the top invoice financing providers in the UK?

Consider your business model, size, funding needs, and long-term business growth plans.

Key factors include:

The percentage of the value of your invoices that can be advanced
Speed of funding
Whether the provider handles collections
Default protection
Technology integrations
Geographical or multi-currency support
Transparency around service fees and any setup fees

What’s more, different providers offer different finance options, from traditional factoring to selective invoice finance (where you choose which invoices to fund).

What questions should I ask invoice financing providers in the UK?

Before choosing an invoice finance company, business owners should ask:

What percentage of the invoice value can be advanced, and how quickly?
Who manages collections and credit risk?
What are the eligibility criteria (especially for smaller businesses or startups)? How does credit score affect approval?
Is bad debt protection included or optional?
Does the provider integrate with accounting systems or platforms?
How do pricing and fees work?
Can they support multiple currencies or cross-border transactions?