Lender review · Invoice finance and ABL
IGF Invoice Finance
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 10077673
- Methodology Public
London-based independent (often referenced as IGF) running confidential invoice discounting, factoring and asset-based lending for UK SMEs and lower-mid-market. Mid-ticket sweet spot of £250k to £5m where mainstream banks have pulled back. Strong reputation for structured deals on turnaround and complex ledger profiles.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Invoice finance and ABL
- Ticket size
- £100k to £15m
- Typical rate
- Quoted at offer
- Decision time
- 1 to 3 weeks
- Soft search at quote
- No
- Limited companies only
- Yes
- FCA regulated
- No
- Companies House
- 10077673
- Founded
- 2016
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed3/5
- Decline handling4/5
How IGF Invoice Finance works
IGF Invoice Finance operates as a invoice finance and abl provider in the UK SMB market. London-based independent (often referenced as IGF) running confidential invoice discounting, factoring and asset-based lending for UK SMEs and lower-mid-market. Mid-ticket sweet spot of £250k to £5m where mainstream banks have pulled back. Strong reputation for structured deals on turnaround and complex ledger profiles.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £100k to £15m band, decisions land within 1 to 3 weeks, and the published rate range is Quoted at offer. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where IGF Invoice Finance fits best: mid-market invoice finance £250k+, turnaround and structured abl, complex group ledgers. Where it does not fit: sub-£100k tickets, sole traders, speed-critical sub-week cases.
Pricing examples
Worked examples using IGF Invoice Finance's published rate range (Quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a IGF Invoice Finance quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£100k tickets; Speed-critical sub-week cases.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Mid-market invoice finance £250k+; Turnaround and structured ABL; Complex group ledgers.
Pros
- + Mid-market ABL alongside invoice discounting under one facility.
- + Independent ownership; willing to underwrite turnaround and special situations.
- + Strong service reputation in the broker channel.
- + Structured deals on complex group ledgers.
Cons
- − No published pricing.
- − Minimum ticket excludes smaller SMEs.
- − Onboarding slower than fintech invoice finance peers.
Best for
- · Mid-market invoice finance £250k+
- · Turnaround and structured ABL
- · Complex group ledgers
Weak at
- · Sub-£100k tickets
- · Sole traders
- · Speed-critical sub-week cases
When to use IGF Invoice Finance
Use IGF Invoice Finance when
Your application matches the best-fit profile: mid-market invoice finance £250k+, turnaround and structured abl, complex group ledgers. The published ticket range (£100k to £15m) covers your ask, the decision speed (1 to 3 weeks) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile.
Do not use IGF Invoice Finance when
Your profile sits in the weak-at list: sub-£100k tickets, sole traders, speed-critical sub-week cases. IGF Invoice Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using IGF Invoice Finance as a screen.
FAQs
What is the minimum trading time for IGF Invoice Finance?
IGF Invoice Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does IGF Invoice Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. IGF Invoice Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For invoice finance and abl specifically, expect a PG to be requested.
How fast does IGF Invoice Finance fund?
IGF Invoice Finance quotes 1 to 3 weeks for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from IGF Invoice Finance?
IGF Invoice Finance's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if IGF Invoice Finance declines me?
If IGF Invoice Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. IGF Invoice Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.igfgroup.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just IGF Invoice Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.igfgroup.co.uk.