Invoice factoring: Factoring Price Index
The median published figure in the Factoring Price Index is 0.75 percent across 2 sources' own pages (range 0.50 to 1 percent), read 26 September 2026.
2 of the 12 named sources read in full publish a figure; 10 publish none, read 26 September 2026.
The median is unchanged since 25 September 2026 (was 0.75 percent across 2).
By facility type (factoring, discounting, selective)
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| facility type (factoring, discounting, selective) invoice discounting | 0.5 % | 0.5 to 0.5 % | 1 |
| facility type (factoring, discounting, selective) invoice factoring | 1 % | 1 to 1 % | 1 |
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| eCapital, invoice factoring (UK) | 1 % | invoice factoring | 2026-09-15 |
| Novuna Business Cash Flow, invoice discounting | 0.5 % | invoice discounting | 2026-09-15 |
The sentence each figure was read from (2)
- eCapital, invoice factoring (UK), read 2026-09-15:
Final Payment and Fee Deduction: Once eCapital collects the payment from the customer, we deduct our fees (which can range from 1% to 5% or more) and remit the remaining balance to the business.
- Novuna Business Cash Flow, invoice discounting, read 2026-09-15:
Rates from 0.5%
Read in full, publishes no figure
10 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Aldermore, invoice factoring, read 2026-09-15: every candidate on the page was refused
- Aldermore, invoice discounting, read 2026-09-15: every candidate on the page was refused
- Novuna, what are the costs of invoice factoring, read 2026-09-15: every candidate on the page was refused
- Novuna, what is the cost of invoice discounting, read 2026-09-15: read in full and no accepted figure on the page
- Lloyds Bank, invoice finance, read 2026-09-15: every candidate on the page was refused
- Sonovate, invoice factoring, read 2026-09-15: read in full and no accepted figure on the page
- Sonovate, funding platform, read 2026-09-15: read in full and no accepted figure on the page
- Bibby Financial Services, why use invoice finance, read 2026-09-15: read in full and no accepted figure on the page
- Optimum Finance, read 2026-09-15: read in full and no accepted figure on the page
- Santander Corporate & Commercial, invoice finance, read 2026-09-15: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
2 of the 12 named sources that could be read published a usable figure; 10 published none and are recorded as not published, never filled in; 16 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 26 candidate sentence(s) were refused by a reviewer with the reason recorded.
Derivation as chartered: one row per provider per facility type holding the service fee (a percentage of turnover), the discount margin (a spread over Bank Rate or a flat percentage), the advance rate, the minimum turnover, the minimum term and notice period, and whether the facility is recourse or non-recourse - and then the figure the market hides: the PUBLICATION RATE, the count and share of UK providers who state any price on their own site against those who publish none, per facility type and per provider class (high-street bank, challenger, independent specialist, fintech).
The all-in cost of a stated example invoice is computed across every provider that publishes enough to compute it, so a 0.5% service fee on a 2.5% margin is comparable with a bundled single rate.
No publisher computes either: each states its own terms, or refers the buyer to a quote
26 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (28)
- Aldermore, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Aldermore, invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Aldermore, invoice discounting (the publisher's own terms; quoted for reporting and comment)
- Novuna Business Cash Flow, invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Novuna Business Cash Flow, invoice discounting (the publisher's own terms; quoted for reporting and comment)
- Novuna, what are the costs of invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Novuna, what is the cost of invoice discounting (the publisher's own terms; quoted for reporting and comment)
- Skipton Business Finance, Skipton Select (the publisher's own terms; quoted for reporting and comment)
- Skipton Business Finance, invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Lloyds Bank, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Close Brothers, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Kriya, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Ultimate Finance, invoice finance (the publisher's own terms; quoted for reporting and comment)
- eCapital, invoice factoring (UK) (the publisher's own terms; quoted for reporting and comment)
- Sonovate, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Sonovate, invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Sonovate, funding platform (the publisher's own terms; quoted for reporting and comment)
- Bibby Financial Services, why use invoice finance (the publisher's own terms; quoted for reporting and comment)
- Bibby Financial Services (the publisher's own terms; quoted for reporting and comment)
- Optimum Finance (the publisher's own terms; quoted for reporting and comment)
- Santander Corporate & Commercial, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Time Finance, invoice finance (the publisher's own terms; quoted for reporting and comment)
- Time Finance, invoice discounting (the publisher's own terms; quoted for reporting and comment)
- Time Finance, disclosed and confidential invoice finance (the publisher's own terms; quoted for reporting and comment)
- Close Brothers, invoice factoring (the publisher's own terms; quoted for reporting and comment)
- Team Factors (the publisher's own terms; quoted for reporting and comment)
- ukfinance.org.uk (the publisher's own terms; quoted for reporting and comment)
- novuna.co.uk (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
The median published figure in the Factoring Price Index is 0.75 percent across 2 sources' own pages (range 0.50 to 1 percent), read 26 September 2026.
2 of the 12 named sources read in full publish a figure; 10 publish none, read 26 September 2026.
Factoring Price Index, facility type (factoring, discounting, selective) invoice discounting: median 0.50 percent across 1 source, read 26 September 2026.
Factoring Price Index, facility type (factoring, discounting, selective) invoice factoring: median 1 percent across 1 source, read 26 September 2026.
The median is unchanged since 25 September 2026 (was 0.75 percent across 2).
Cite as: "invoicefactoringcost.co.uk Factoring Price Index", updated 2026-09-26, https://invoicefactoringcost.co.uk/datasets/factoring-price-index/.
Download the CSV (2 rows, computed 2026-09-26)