Lender review · Invoice finance (entity not verified)
Invocap
- Reviewed May 2026
- Editor Oliver Mackman
- Methodology Public
Invocap surfaces in some UK invoice finance broker indexes but the Companies House register returns no active company under the exact name. The brand may be a trading style of another invoice finance entity rather than a stand-alone lender. Borrowers should establish the contracting entity and any FCA permissions before signing.
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 (entity not verified)
- Ticket size
- Bespoke
- Typical rate
- Quoted at offer
- Decision time
- Not published
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
Scores against our methodology
- Rate transparency1/5
- Eligibility clarity0/5
- Decision speed0/5
- Decline handling0/5
How Invocap works
Invocap operates as a invoice finance (entity not verified) provider in the UK SMB market. Invocap surfaces in some UK invoice finance broker indexes but the Companies House register returns no active company under the exact name. The brand may be a trading style of another invoice finance entity rather than a stand-alone lender. Borrowers should establish the contracting entity and any FCA permissions before signing.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the Bespoke band, decisions land within Not published, 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 Invocap fits best: reference only. Where it does not fit: any borrower wanting a verified direct lender.
Pricing examples
Worked examples using Invocap'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 Invocap 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: Any borrower wanting a verified direct lender.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Reference only.
Pros
- + Brand referenced in some UK SMB finance broker indexes.
Cons
- − No active Companies House entity verified under the exact name.
- − Likely a trading style rather than a stand-alone lender.
- − No published rates, eligibility or product detail.
Best for
- · Reference only
Weak at
- · Any borrower wanting a verified direct lender
When to use Invocap
Use Invocap when
Your application matches the best-fit profile: reference only. The published ticket range (Bespoke) covers your ask, the decision speed (Not published) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile.
Do not use Invocap when
Your profile sits in the weak-at list: any borrower wanting a verified direct lender. Invocap 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 Invocap as a screen.
FAQs
What is the minimum trading time for Invocap?
Invocap 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 Invocap require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Invocap 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 (entity not verified) specifically, expect a PG to be requested.
How fast does Invocap fund?
Invocap quotes Not published 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 Invocap?
Invocap's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 1/5 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 Invocap declines me?
If Invocap 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. Invocap scores 0/5 on decline handling in our methodology.
Where to apply
Apply directly via www.invocap.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 Invocap.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.invocap.co.uk.