WhatsApp and Telegram +44 7563 115980
[email protected]
A UK invoice finance provider, part of Skipton Group, offering invoice discounting and factoring with confidential, disclosed and recourse versions, bad debt protection and asset based lending.
Skipton Business Finance scores 1.8 out of 5 (35 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 8 of 10. It is strongest for UK firms with sales up to £30m wanting confidential discounting, with 5 out of 5 for advance and speed. Not published or not stated on the pages read: pricing, contract terms, product range, published eligibility and regulatory standing.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 34 | 7 of 10 |
| For mid-sized firms | 41 | 6 of 10 |
| For payment and fintech firms | 31 | 9 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK firms with sales up to £30m wanting confidential discounting.
What Skipton Business Finance publishes on its own pages, read on 26 October 2026.
A UK invoice finance provider, part of Skipton Group, offering invoice discounting and factoring with confidential, disclosed and recourse versions, bad debt protection and asset based lending. It publishes a 90% advance, same-day access and set-up within 10 working days. It publishes no fees, contract terms or regulatory status on the pages read.
| Fact | What the provider publishes |
|---|---|
| Products | Invoice Discounting with a Confidential option; Invoice Factoring (CHOCS, Confidential, Disclosed and Recourse); Asset Based Lending; LedgerLite; Skipton Select; Bad Debt Protection; Growth Guarantee Scheme. |
| Pricing | Remaining balance paid "less an agreed fee"; no fee figures published. |
| Advance and speed | "up to 90% of the value of each invoice"; access "the day you raise it"; "you could have a facility in place with us inside 10 working days!" |
| Eligibility | Funds businesses with "sales of up to £30 million per annum"; an extensive credit history is not required. |
| Contract terms | Contract length, notice period and personal guarantee not stated on the pages read. |
| Regulatory standing | "Registered in England - Number 04171724"; "Part of Skipton Group"; no FCA statement or security certification on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: skiptonbusinessfinance.co.uk/invoice-discounting, skiptonbusinessfinance.co.uk/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Skipton Business Finance is compared with its alternatives in the table above.
Tell us what you need and where you operate.