MarketInvoice platform gives clients access to funds in outstanding invoices, otherwise tied up for between 30 to 120 days. Unlike traditional invoice factoring, we don’t ask for your whole debtor book, so you can use us as and when you need financing.

Businesses can sign up online, sell an invoice and draw down funds on the same day. There are no contracts, hidden fees or personal guarantees.

What type of funding does MarketInvoice provide?


requirments_icon1Loan Amount
£5,000 – more than £1M

Ongoing, up to 6 months

Fund received
Up to 24 hours

What do I need in order to qualify for funding?

To qualify for a loan on MarketInvoice, a business must have at least six months of trading history and annual revenue of at least £100,000. The business must also sell services or goods to large-end customers, typically creditworthy businesses with revenues about £15 million per year, or public sector entities.

How do I apply to get funding?

A business may apply for funding using the online application. The application may take 15 minutes, and 90% of applications are accepted onto the system.

Find the right funding for your business

What is the process to receive funding?

If the business is approved, the MarketInvoice team will schedule one of its outstanding invoices to be traded during the sessions that take place twice a day. Funds will then be available for the business to use within one business day.

“I’ve had a great experience using Market Invoice for the first time, supportive all the way through. The process was incredibly quick.” Susan Witterick


Does MarketInvoice run a credit check?

All businesses using MarketInvoice must pass anti-fraud and financial checks.

Do I have to provide security or a guarantee?

Businesses are not required to provide personal guarantees, nor sign a contract for services.

Are there fees involved?

There are two fees associated with using MarketInvoice. The first is a transaction fee, a flat fee charged on each traded invoice. This may range from 0.5% – 2.75%, depending on the size of the business and the amount of trades performed on the site. The second fee is to the investors on the site, which average 1% for every 30 days. Fees are only charged on a pro-rated basis, on not per month.

What are the loan rates?

There are no interest rates, in the traditional sense. Instead, borrowers must pay fees to investors based on the amount of the loan, generally around 1% every month. Depending on the terms of the loan, a business may have between 30 to 90 days to pay back the money, although specifics may vary.

What documentation do I need to provide?

To begin, a business must provide all outstanding invoices they wish to trade on the site. These must be reviewed by MarketInvoice and verified by the debtor.

How long will it take for money to get into my account?

Once the invoice has been traded, money will be available for withdrawal to the business within hours.

What happens in the case of a default?

In the event of a default, MarketInvoice will use its collection services to help collect the outstanding funds originally paid to the borrower business.

Is MarketInvoice regulated?

MarketInvoice is not regulated under the FCA, as it only operates in invoice finance. It is, however, a member of the Peer-to-Peer Finance Association, a trade body that regulates the alternative financial services market in the United Kingdom. This body requires participating members to operate under a strict set of guidelines.