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 verdict
- Product: Invoice finance (factoring + invoice discounting).
- Ticket band: £25k to £5m.
- Pricing: From around 1.5% above base on advanced funds.
At a glance
Skipton Business Finance, at a glance
- Legal entity
- Skipton Business Finance Limited
- Companies House
- 04171724
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 2001
- Product
- Invoice finance (factoring + invoice discounting)
- Ticket range
- £25k to £5m
- Decision time
- 5 to 10 business days
- Ltd-only
- No, the lender also accepts other structures
Where Skipton Business Finance is strong
- Mutual-owned parent (Skipton Building Society) provides stable funding.
- Pure IF specialism; the team only does invoice finance.
- Direct relationship with the underwriter, not a call-centre journey.
Watch-outs, and when another lender may suit better
- 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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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.
FAQ
What can I borrow through Skipton Business Finance?
Skipton Business Finance offers invoice finance (factoring + invoice discounting). Ticket range: £25k to £5m. Typical rate: From around 1.5% above base on advanced funds.
How long does Skipton Business Finance take to decide?
5 to 10 business days
Who is Skipton Business Finance the best fit for?
First on the list: B2B Ltd companies and partnerships. The full list is under Best fit applicants above.
When might another lender suit better than Skipton Business Finance?
First on the list: B2C-only businesses. The other cases are under Where Skipton Business Finance is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Skipton Business Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.