Skipton Business Finance
Specialist invoice finance arm of Skipton Building Society group, based in Bradford. Pure-play factoring and invoice discounting for UK SMEs. Mutual-owned parent gives a different funding profile to listed-bank rivals. Strong service reputation in the IF segment.
Quick routing verdict
- Product: Invoice finance (factoring + invoice discounting).
- Ticket band: £25k to £5m.
- Decision time: 5 to 10 business days.
- Pricing: From around 1.5% above base on advanced funds.
- FCA-authorised.
At a glance
- Legal entity
- Skipton Business Finance Limited
- Companies House
- 04171724
- Founded
- 2001
- Product
- Invoice finance (factoring + invoice discounting)
- Ticket range
- £25k to £5m
- Decision time
- 5 to 10 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Mutual-owned parent (Skipton Building Society) provides stable funding.
- Pure IF specialism; the team only does invoice finance.
- Strong service reputation in trade press and Trustpilot.
- Direct relationship with the underwriter, not a call-centre journey.
When we route elsewhere
- IF only; no term loan or asset finance options.
- Below £25k turnover-equivalent not the focus.
- Hard search at full application.
Best fit applicants
- B2B Ltd companies and partnerships
- Invoice finance £100k to £2m
- Borrowers wanting a relationship-led IF provider
Where Skipton Business Finance is the wrong fit
- B2C-only businesses
- Sub-£25k tickets
- Term-loan or working-capital needs not tied to invoices
If declined by Skipton Business Finance
If your application to Skipton Business Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Skipton Business Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Skipton Business Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Skipton Business Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.