As an independent invoice finance broker serving businesses across Wolverhampton, Birmingham, Dudley, Walsall and the wider West Midlands, Amber Finance has access to over 50 of the UK's leading invoice finance and factoring lenders. We compare the whole market to find the right facility for your business — at the best possible rate.
Going direct to a single lender means you only see one set of rates and terms. As an independent broker, Amber Finance compares the entire market — giving West Midlands businesses access to the most competitive invoice finance and factoring facilities available.
We work with 50+ lenders including high street banks, challenger banks, specialist lenders, and fintech providers — so you get the widest possible choice.
We are not tied to any single lender. Our only obligation is to find the right facility for your business — whether that's factoring, discounting, or spot finance.
Our panel relationships and volume of business mean we can often negotiate preferential rates and terms that businesses cannot access directly.
Below is a selection of the leading invoice finance and factoring lenders we work with. Our full panel includes over 50 providers — we match you to the right one based on your sector, turnover, and requirements.
Independent Specialist
One of the UK's largest independent invoice finance providers, Bibby Financial Services supports over 7,000 businesses with tailored factoring and invoice discounting solutions. Known for their sector expertise and flexible approach to SMEs.
Specialist Bank
Part of the FTSE 250 Close Brothers Group, Close Brothers Commercial Finance offers invoice finance, asset-based lending, and trade finance. Highly regarded for their speed of decision and commitment to UK SMEs.
Specialist Lender
Ultimate Finance is a multi-award-winning specialist lender offering up to 95% advance rates on invoices. Their flexible, technology-driven approach makes them a popular choice for growing SMEs across the UK.
Challenger Bank
Aldermore is a leading UK challenger bank specialising in SME finance. Their invoice finance division offers competitive advance rates and a straightforward application process, making them ideal for businesses seeking a bank-backed solution.
Building Society Backed
Backed by Skipton Building Society, Skipton Business Finance is renowned for its interest-free period on invoice finance and transparent fee structure. A trusted name for businesses seeking straightforward, cost-effective funding.
Specialist Finance
Formerly Hitachi Capital Business Finance, Novuna offers up to 95% advance rates with a strong focus on technology and digital onboarding. Their award-winning service is particularly popular with recruitment and professional services firms.
High Street Bank
Lloyds Bank Commercial Finance is one of the UK's largest invoice finance providers, offering scalable facilities from £250k to £50m+. Their bank-grade security and nationwide presence make them a natural choice for established businesses.
High Street Bank
Barclays Invoice Finance provides both factoring and confidential invoice discounting to UK businesses. Their integrated banking relationship and digital tools make them a strong option for businesses already banking with Barclays.
Global Bank
HSBC Invoice Finance offers global reach alongside local expertise, making them ideal for businesses with international trade. Their invoice finance facilities support both domestic and export invoices.
International Bank
Santander's invoice finance division offers competitive facilities for mid-market and larger businesses, with particular strength in international trade finance and supply chain finance solutions.
Specialist Lender
Award-winning Cynergy Business Finance (Best Invoice Finance Provider 2025) specialises in bespoke invoice finance solutions for UK SMEs. Their relationship-led approach and flexible underwriting make them a standout choice for complex cases.
Fintech Lender
Kriya is a leading UK fintech lender offering flexible invoice finance and B2B payments. Their technology-first approach enables fast decisions and same-day funding, making them popular with fast-growing businesses.
With over 50 invoice finance and factoring lenders on our panel, Amber Finance is uniquely positioned to match businesses across Wolverhampton, Birmingham, Dudley, Walsall, Sandwell, Solihull, Coventry, and the wider West Midlands with the most suitable facility for their needs.
Whether you are looking for whole-ledger invoice factoring, confidential invoice discounting, selective spot factoring, or a facility with bad debt protection included, our panel covers every product type and every business size — from start-ups with £100k turnover to established businesses with £50m+ in annual sales.
Our lender panel includes the UK's leading specialist invoice finance companies such as Bibby Financial Services, Close Brothers, and Ultimate Finance, alongside high street banks including Lloyds, Barclays, HSBC, and Santander, and innovative fintech lenders like Kriya and Novuna.
As an independent invoice finance broker based in the West Midlands, we have no obligation to any single lender. Our job is to find the right factoring or discounting facility for your business — at the most competitive rate available.
Our service is completely free to West Midlands businesses. We are paid by the lender, not by you — so there is no cost to getting a whole-of-market comparison.
Compare Lenders NowAmber Finance has access to over 50 invoice finance and factoring lenders, including high street banks, specialist lenders, challenger banks, and fintech providers. This gives West Midlands businesses the widest possible choice of facilities.
The best lender depends on your sector, turnover, debtor profile, and whether you want a disclosed (factoring) or confidential (discounting) facility. We assess your requirements and match you to the most suitable lender — often one that businesses cannot access directly.
Bibby Financial Services is one of the UK's largest independent invoice finance providers and is well-regarded for their sector expertise and flexible approach to SMEs. They are particularly strong for manufacturing, recruitment, and transport businesses.
With invoice factoring, the lender manages your sales ledger and collects payments from your customers on your behalf. With invoice discounting, the facility is confidential — your customers are unaware, and you continue to collect payments yourself. Both release up to 90–95% of invoice value within 24 hours.
No. Amber Finance's service is completely free to businesses. We are paid by the lender once a facility is arranged, not by you. There is no cost to getting a whole-of-market comparison.
Most facilities can be agreed in principle within 24–48 hours and fully drawn down within 5–10 working days. Some lenders, particularly fintech providers, can fund within 24 hours of approval.
One free enquiry. One dedicated broker. Access to the whole UK invoice finance market — for businesses across Wolverhampton, Birmingham, Dudley, Walsall and the West Midlands.
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