• 25 Sep

    UK Invoice Finance Benchmark Report

    We are pleased to release the UK Invoice Finance Benchmark Report 2025/6,

    This independent benchmark report analyses how invoice finance solutions compare across the UK market, drawing on real data covering costs, funding levels, provider performance and business awareness. It highlights the significant variation between providers, including pricing differences of up to 87% and wide gaps in customer satisfaction.

    Designed as a research and comparison resource, the report helps business owners assess whether their current arrangements are competitive, supports advisers in benchmarking client facilities, and provides journalists with credible, citable insights into how the market operates in practice. It includes an array of statistics that can be quoted with attribution to FundInvoice LLP. 

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    UK Invoice Finance Benchmark Report 2025/6

    Benchmark report into the UK Invoice Finance market

    The report brings together findings from our surveys of UK businesses, alongside analysis of costs, advance rates, late payment trends and customer satisfaction across providers.

    It is designed to help business owners, advisers and journalists understand how invoice finance is being used, what it costs, and how service levels compare.

    Key Findings

    Some of the headline insights include:

    • A large proportion of UK businesses experience late payments, with many reporting cash flow strain.
    • Many are unaware of invoice finance, and awareness of its benefits remains low.
    • Only a small percentage of UK businesses use it, leaving a significant awareness gap.
    • On average, costs vary significantly between providers, meaning businesses that don’t compare options risk paying far more than they need to.
    • Advance rates against the sales ledger vary by provider, with some products generally offering slightly higher levels of funding.
    • Customer ratings vary widely, underscoring the importance of selecting the right provider.
    • AI is reshaping how businesses operate, with most businesses exploring or already using AI in some form.

    Why It Matters

    The benchmark reveals that late payments and cash flow pressures continue to be a challenge for many UK firms, yet invoice finance remains underutilised. For existing users, the wide variations in charges and funding mean regular benchmarking is essential to avoid overpaying.

    We plan to update the benchmark in the future to identify and track industry trends.

    Download The Report Summary

    You can download the full PDF version of the report by subscribing to FundingVoice magazine using the form at the top of this page. However, you can download a limited summary of the report below:

    Further Support

    If you require further support regarding any of the issues raised in the report, please don't hesitate to contact us on 03330 113622.

    By Glenn Blackman

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seneca
berkeley
ifg
muse