Top Factoring Companies in the United Kingdom

Researched by:Goodfirms Research TeamUpdated:September 15, 2026

Goodfirms has reviewed 22 Factoring Companies in the United Kingdom as of September 2026. The top-ranked firm is Upstream Working Capital (0.0 stars, 0 verified reviews, < $25/hr, founded 2011, Belfast). Across the category, the median hourly rate is $37, median client rating is 5, and 18% of firms employ 50+ members. Explore the vetted Factoring Companies in the United Kingdom below, compare their strengths, and connect with the provider best suited to your requirements.

Goodfirms has verified 22 Factoring Companies in the United Kingdom - part of 445+ Factoring Companies, each passing Goodfirms' 4-step verification process (background check, client interviews, portfolio audit, ongoing quality review). Listings marked "Sponsored" are agencies that pay for premium placement - sponsorship does not affect star ratings or review content.

Top 10 at Glance

Compare the highest-ranked firms first side by side.

Rank
Company
Rating
Reviews
Hourly Rate
Team Size
Founded
Location
Action

List of Top Invoice Factoring Companies in the UK

Find a Factoring Company Near you
Find a Factoring Company Near you
Service
Hourly Rate
Employees
ReviewsAll Companies
Industry
Client Type
  • Our team in Upstream works closely with you to understand exactly what you need, not just now, but into the future and we can work collaboratively with your existing lenders to find a solution that works for you to ensure that your business to best placed to thrive and grow. Meet the team here. We ... read Upstream Working Capital reviews & insights

    < $25/hr
    10 - 49
    2011
    Belfast, United Kingdom
  • Our approach to invoice finance allows us to create new products. This gives our customer’s choice and further growth potential. Based in the Midlands, we are a small business with a large resource of knowledge and experience. We’re passionate about what we do as well as the service we provide. We get to know all ... read Shire Invoice Finance Limited reviews & insights

    < $25/hr
    10 - 49
    2014
    Tamworth, United Kingdom
  • We combine industry expertise with innovative, flexible funding solutions to support firms across the UK. Our range of products can be tailored to meet business' objectives such as improving cash flow or financing strategic events including mergers and acquisitions.

    < $25/hr
    50 - 249
    1984
    Eastbourne, United Kingdom
  • "We’re a professional factoring team committed to giving our clients the ability to grow and thrive. Our agile and customer-led factoring service provides cash flow solutions through five key values: Creating a bespoke factoring service for every client – no two businesses are the same so we invest time and effort in getting to know ... read Team Factors Ltd reviews & insights

    < $25/hr
    10 - 49
    2010
    Hertfordshire, United Kingdom
  • Real Business Rescue specialise in helping Companies, Partnerships and Sole traders who are struggling to cope with cashflow and debt problems whether they are temporary or ongoing. From giving advice on how to increase cashflow whilst reducing expenditures to acting on your behalf with creditors and the taxman, we can offer the best solutions for ... read Real Business Rescue reviews & insights

    < $25/hr
    10 - 49
    2012
    Manchester, United Kingdom
  • Our access to the majority of suppliers makes sure that you only get introduced to the provider we think is best for you. We will ask the right questions and get quotes for you quickly at no cost from however many suppliers you require. On average most people ask for between 2-4 quotes.

    < $25/hr
    10 - 49
    2011
    Monmouth, United Kingdom
  • We are a proud member of the UK’s flagship trade body National Association of Commercial Finance Brokers (NACFB). The NACFB is the professional association of choice for UK commercial finance brokers. As part of our commitment to our customers, we adhere to the NACFB’s Code of Practice. As well as ensuring our compliance and professionalism ... read Bolton Business Finance Ltd reviews & insights

    < $25/hr
    10 - 49
    2020
    Manchester, United Kingdom
  • We welcome your interest in the range of financial services we offer and invite you to contact us for further details and an informal ‘no obligation’ confidential discussion. To contact us either: Our business hours are 9am – 5:30pm Monday to Friday. Outside of normal business hours, on weekends and in emergency situations please call ... read White Rose Finance reviews & insights

    NA
    10 - 49
    2004
    Selby, United Kingdom
  • Our one to one approach means we get to know you and understand what your business needs, before we use our extensive knowledge of the commercial finance sector to find the best finance provider or broker that matches those needs. Senate Money has strong links with all of the key funders and is able to ... read SENATE MONEY reviews & insights

    < $25/hr
    50 - 249
    2001
    Solihull, United Kingdom
  • Cashbook Finance is an Invoice Finance and Factoring company (B2B lender) established in accordance to the Financial Conduct Authority in the UK. Our company mission is to support the growth of ambitious SMEs who are tired of waiting 30, 60, or 90+ days for payment​.​ After a successful history over the past 10 years in ... read Cashbook Finance reviews & insights

    < $25/hr
    10 - 49
    2017
    London, United Kingdom
  • Our smart online platform was built from the ground up with small businesses in mind. Over 10 years we’ve grown, enhanced our products and gained investment from Barclays Bank, Mouro Capital and Northzone (the investors behind Spotify and iZettle) among others. Our products are as frictionless as possible, so entrepreneurs can unlock finance in just ... read MarketFinance reviews & insights

    < $25/hr
    50 - 249
    2021
    London, United Kingdom
  • Stenn provides fast, innovative financing to fill in the funding gaps that arise in international supply chains, solving the working capital needs of suppliers, intermediaries, and buyers of goods. With Stenn, suppliers don’t wait to get paid, and buyers have time to sell goods before payment is due – all independent of banks and without ... read Stenn International reviews & insights

    < $25/hr
    50 - 249
    London, United Kingdom
  • You have a ground breaking idea that needs realising. Solutions from GRENKE have been creating the financial freedom to ensure business success for over 40 years – quickly, simply and with a personal service. Whether you want to lease high-performance IT equipment or keep cash flowing with custom factoring solutions, GRENKE UK can do all ... read GRENKE reviews & insights

    < $25/hr
    1,000 - 9,999
    1978
    Leeds, United Kingdom
  • We’ve supported small and medium-sized enterprises (SMEs) since 1982 and today we support more than 12,000 businesses worldwide.Our parent company Bibby Line Group has been in business for over two centuries and has companies in financial services, distribution, retail, shipping, marine and construction.We are proud to help businesses, both big and small to grow and ... read Bibby Financial Services reviews & insights

    NA
    10 - 49
    1982
    Liverpool, United Kingdom
  • At SME Invoice Finance, we help UK businesses unlock the cash tied up in unpaid invoices to improve cashflow and support growth. As an independent online comparison site, we make it easy to compare leading invoice finance providers and find the best funding solution for your business needs. Access up to 95% of your invoice ... read SME Invoice Finance reviews & insights

    NA
    10 - 49
    2014
    Mold, United Kingdom
  • Trade Finance Global (TFG) is the leading B2B fintech in trade finance. TFG’s data-led origination platform connects companies with innovative trade and receivables finance solutions from over 300 financial institutions. This is combined with TFG’s award-winning content, informing a global audience of 160k monthly readers (6.2m impressions) – across app, podcasts, videos, magazines and research.

    NA
    50 - 249
    2016
    London, United Kingdom
  • We offer a full range of accountancy services inc VAT, Tax planning, Payroll, Tax Returns. TaxBite are here to offer sole traders and SME business owners financial guidance & advice. Personable & Professional. Making Tax Simple. Accountant Local to You. Local presence.

    $50 - $99/hr
    2 - 9
    1995
    Solihull, United Kingdom
  • T-Doc Logistics Ltd is a trusted logistics provider serving London and surrounding areas with professionalism and precision. We offer expert services, including house removals in North London, office removals in Surrey, and reliable Surrey house removals. Our expertise also extends to house removals in South London, same-day courier services, furniture transport, and secure storage solutions. ... read T-doc Logistics reviews & insights

    NA
    50 - 249
    1990
    Carshalton, United Kingdom
  • FundInvoice LLP are multi-award-winning business finance brokers that specialise in invoice finance and factoring. Offering a free, independent quote search service that has found substantial average cost savings for clients. Our mission is to bring the best invoice finance deals to UK businesses. We have undertaken extensive independent market research to be able to help ... read FundInvoice LLP reviews & insights

    NA
    2 - 9
    2013
    Hastings, United Kingdom
  • At first sight this banker / entrepreneur combination may seem something of a “chalk and cheese” partnership. However, their unique combined insights into the frustrations faced by SME owners and managers when seeking funding gives the ideal platform for independent and impartial advice and informed decision making.

    < $25/hr
    10 - 49
    2006
    London, United Kingdom
  • We Are Ajencia Through brand strategy, brand development, advertising, and online marketing, Ajencia is an international creative marketing company that offers specialized and cutting-edge solutions for major companies and disruptive startups. By providing visually appealing marketing initiatives, powerful advertising, and dynamic websites, we've put together a team of top talent in visual design, media, marketing, ... read Ajencia1 reviews & insights

    NA
    2 - 9
    2014
    Nottingham, United Kingdom
  • Using AI Tools

    • ChatGPTChatGPT

    Future Data Software Online Ltd is a UK-based technology and consulting company focused on AI readiness, data strategy, business intelligence and digital transformation planning.The company supports professionals, small businesses and organisations that want to understand, organise and use data more effectively before adopting advanced digital or AI-enabled tools. Its work includes AI readiness assessment, KPI ... read Future Data Software Online Ltd reviews & insights

    $50 - $99/hr
    2 - 9
    2025
    London, United Kingdom

    Why Future Data Software Online Ltd?

    • Practical AI readiness frameworks
    • Clear data and KPI planning
    • Responsible, structured guidance

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The Magical Quadrant

Hover any bubble for the firm's exact scores. Filter the view using the controls on the right.

360-PERFORMANCE VIEW (Y) →
0255075100
Industry ContendersIndustry LeadersUpcoming AchieversMarket Influencers
0255075100
CORE COMPETENCIES (X) →

The four quadrants explained

Each card shows the count of firms in that quadrant and the top 5 by composite score.

Industry Leaders
Top-right · Both axes ≥ 50
1FIRMS

Strong on both Core Competencies and 360-Performance. These firms have proven track records, deep specialisation, and solid client outcomes. Default recommendation for most buyers.

Top 5 by composite score

1OnHires63 / 69
The Industry Leaders in detail

The 1 highest-scoring firms in the Industry Leaders quadrant. Each has both Core Competencies and 360-Performance ≥ 50. Click any card for the full profile.

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

Where the firms are.

Bubble size shows how many firms each country has; colour shows its average hourly rate. Tap any country for its firm count, average rate, rating, and Value Score.

Loading map…

All states ranked by Value Score.

Every state in scope, ranked by Value Score.

StateFirmsAvg RateAvg RatingValue ScoreAction
GBMiddlesex8$25/hr583View firms
GBWales11$33/hr581View firms
GBCambridge3$25/hr581View firms
GBEngland649$64/hr580View firms
GBScotland48$48/hr580View firms
GBNorthern Ireland7$37/hr579View firms
GBBerkshire10$50/hr577View firms
GBLeicestershire10$25/hr-74View firms
GBKent6$25/hr-73View firms
GBHampshire7$25/hr-73View firms
GBEssex11$30/hr-72View firms
GBSurrey12$34/hr-71View firms
GBMerseyside59$45/hr-71View firms
GBLancashire10$60/hr4.871View firms
GBHerefordshire3$25/hr-71View firms
GBEast Sussex2$25/hr-70View firms
GBWest Sussex2$25/hr-70View firms
GBDorset8$35/hr-69View firms
GBTyrone1$25/hr-69View firms
GBMonmouthshire1$25/hr-69View firms
GBDevon3$31/hr-69View firms
GBOxfordshire2$31/hr-68View firms
GBWest Yorkshire74$58/hr-66View firms
GBWarwickshire2$37/hr-66View firms
GBWest Midlands59$60/hr-65View firms
GBHertfordshire9$48/hr-65View firms
GBStaffordshire1$37/hr-65View firms
GBGlocestershire1$37/hr-65View firms
GBNottinghamshire4$44/hr-64View firms
GBBuckinghamshire12$55/hr-63View firms
GBWorcestershire1$75/hr-50View firms
GBYorkshire1$75/hr-50View firms
GBLanarkshire2$81/hr-49View firms
GBCheshire9$94/hr-47View firms
GBMildenhall1$125/hr-31View firms
GBWiltshire1$125/hr-31View firms
GBNorthamptonshire4--19View firms
GBSomerset3--16View firms
GBNorth Yorkshire3--16View firms
GBLincolnshire3--16View firms
GBDerbyshire2--13View firms
GBAberdeen2--13View firms
GBDerby2--13View firms
GBCambridgeshire1--8View firms
GBShropshire1--8View firms
GBNorfolk1--8View firms
GBCornwall1--8View firms
GBCoventry1--8View firms
GBDurham1--8View firms
GBBedfordshire1--8View firms
GBWurttemberg1--8View firms
GBChannel Islands1--8View firms
GBMiddlesex
8 firms$25/hr5
Value Score83 / 100
GBWales
11 firms$33/hr5
Value Score81 / 100
GBCambridge
3 firms$25/hr5
Value Score81 / 100
GBEngland
649 firms$64/hr5
Value Score80 / 100
GBScotland
48 firms$48/hr5
Value Score80 / 100
GBNorthern Ireland
7 firms$37/hr5
Value Score79 / 100
GBBerkshire
10 firms$50/hr5
Value Score77 / 100
GBLeicestershire
10 firms$25/hr
Value Score74 / 100
GBKent
6 firms$25/hr
Value Score73 / 100
GBHampshire
7 firms$25/hr
Value Score73 / 100
GBEssex
11 firms$30/hr
Value Score72 / 100
GBSurrey
12 firms$34/hr
Value Score71 / 100
GBMerseyside
59 firms$45/hr
Value Score71 / 100
GBLancashire
10 firms$60/hr4.8
Value Score71 / 100
GBHerefordshire
3 firms$25/hr
Value Score71 / 100
GBEast Sussex
2 firms$25/hr
Value Score70 / 100
GBWest Sussex
2 firms$25/hr
Value Score70 / 100
GBDorset
8 firms$35/hr
Value Score69 / 100
GBTyrone
1 firms$25/hr
Value Score69 / 100
GBMonmouthshire
1 firms$25/hr
Value Score69 / 100
GBDevon
3 firms$31/hr
Value Score69 / 100
GBOxfordshire
2 firms$31/hr
Value Score68 / 100
GBWest Yorkshire
74 firms$58/hr
Value Score66 / 100
GBWarwickshire
2 firms$37/hr
Value Score66 / 100
GBWest Midlands
59 firms$60/hr
Value Score65 / 100
GBHertfordshire
9 firms$48/hr
Value Score65 / 100
GBStaffordshire
1 firms$37/hr
Value Score65 / 100
GBGlocestershire
1 firms$37/hr
Value Score65 / 100
GBNottinghamshire
4 firms$44/hr
Value Score64 / 100
GBBuckinghamshire
12 firms$55/hr
Value Score63 / 100
GBWorcestershire
1 firms$75/hr
Value Score50 / 100
GBYorkshire
1 firms$75/hr
Value Score50 / 100
GBLanarkshire
2 firms$81/hr
Value Score49 / 100
GBCheshire
9 firms$94/hr
Value Score47 / 100
GBMildenhall
1 firms$125/hr
Value Score31 / 100
GBWiltshire
1 firms$125/hr
Value Score31 / 100
GBNorthamptonshire
4 firms
Value Score19 / 100
GBSomerset
3 firms
Value Score16 / 100
GBNorth Yorkshire
3 firms
Value Score16 / 100
GBLincolnshire
3 firms
Value Score16 / 100
GBDerbyshire
2 firms
Value Score13 / 100
GBAberdeen
2 firms
Value Score13 / 100
GBDerby
2 firms
Value Score13 / 100
GBCambridgeshire
1 firms
Value Score8 / 100
GBShropshire
1 firms
Value Score8 / 100
GBNorfolk
1 firms
Value Score8 / 100
GBCornwall
1 firms
Value Score8 / 100
GBCoventry
1 firms
Value Score8 / 100
GBDurham
1 firms
Value Score8 / 100
GBBedfordshire
1 firms
Value Score8 / 100
GBWurttemberg
1 firms
Value Score8 / 100
GBChannel Islands
1 firms
Value Score8 / 100

Match by work-hour overlap with your team.

Cost matters - but so does being able to actually talk to your developer during your workday. Here are the best destinations for each major hub.

If you're in US (PT/ET)Recommended

Look for nearshore LATAM partners - same-day collaboration, similar time zones, and 50-60% cost savings vs domestic.

MXMexico~7h overlap
ARArgentina~6h overlap
BRBrazil~5h overlap
CACanada~8h overlap
If you're in Europe (CET/GMT)Recommended

Eastern Europe is your sweet spot - 1-2h time zone shift, EU GDPR alignment, and 40-50% lower rates than Western Europe.

PLPoland~8h overlap
UAUkraine~7h overlap
RORomania~7h overlap
ZASouth Africa~8h overlap

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

Found your target region?

Browse all firms in your chosen country - or let us hand-pick matches based on your project, budget, and time-zone preference.

Get matched firms

States with the best Value Score for business services hiring.

Ranked by a composite score blending firm count (supply), average rating (quality), and median hourly rate (cost). Affordability is weighted highest (50%), so this list surfaces actually affordable destinations rather than just-big markets.

Budget leader
England · $0-24/hr

127 firms in this tier - more than any other state, averaging 4.9 ★. Top picks: Vserve Ebusiness Solutions, SupportYourApp, Tellida.

Mid-tier leader
England · $50-99/hr

68 firms in this tier - more than any other state, averaging 5.0 ★. Top picks: Smart Web Agency, Phocas Software, Braant Accounting.

Top tier leader
England · $150+/hr

34 firms in this tier - more than any other state, averaging 5.0 ★. Top picks: Crypto Legal, CALLCARE, Reed.

Loading heatmap…
Cell intensity (firm density):
Low
High
Best Value marks the densest, highest-rated, most-affordable cell per row

How the heatmap is built

Every cell in the grid above is the count of firms in (place × hourly-rate tier). Firms are placed by their published hourly rate; those without a disclosed rate are not plotted.

Top company names per cell are surfaced by Value Score - a weighted blend of affordability (50%) + rating (35%) + review volume (15%).

The "Best" ribbon marks the cell in each row where firm density, ratings, and affordability line up best - the densest, highest-quality combination.

Read the full methodology
Value Score · per firm
ValueScore = 0.50 × Affordability
+ 0.35 × Rating
+ 0.15 × Review Volume
// All sub-scores normalized 0-100
// Affordability = (1 - rate/$200) × 100
// Rating = (rating - 3) / 2 × 100
// Volume = log10(reviews+1)/log10(200) × 100

Found your target region?

Browse all business services firms in your chosen country - or let our AI hand-pick 3 matches based on your project, budget, and time-zone preference.

Get 3 AI-Matched Firms