Who qualifies for invoice finance

Clear criteria, what disqualifies an application, and what happens once you apply.

What we look for

• An active UK limited company, LLP or plc, verified against Companies House
• You invoice other businesses (B2B), not consumers, on payment terms of 14 days or more
• You currently hold, or regularly issue, unpaid invoices as a normal part of trading
• Reasonably identifiable, tradeable customers, whether concentrated or spread across many accounts

Typical minimums

There is no single industry-wide minimum, but as a general guide: below roughly £10,000 a month in invoicing, fewer funding partners are active and pricing is less competitive. Above that, and especially above £25,000 a month, most product types (factoring, discounting, selective) become available. Selective invoice finance has the lowest practical floor, since it can fund a single qualifying invoice rather than requiring an ongoing book.

What disqualifies an application

• Selling to consumers rather than other businesses
• Invoicing on immediate or cash-on-delivery terms, with no genuine payment period
• A dormant, dissolved or otherwise inactive Companies House record
• No verifiable trading relationship behind the invoices presented

None of these rule out every funding option outright. If invoice finance is not the right fit, we will say so rather than push an application through.

What happens after you apply

1. You complete the short online application, a Companies House lookup confirms your entity is active and eligible.
2. We match your invoice book and customer profile against the funding partner whose criteria genuinely fit it, not the first available option.
3. The partner reviews your invoice book and bank statements, a decision typically follows within a few working days.
4. Once agreed, funding against new invoices usually starts within 24 to 48 hours of the facility going live.

See how it works for the fuller step-by-step picture.

Last reviewed: August 2026