Factor Now vs Compare Factoring vs Market Invoice
The biggest difference is speed: Factor Now gives you instant indicative rates on screen. Compare Factoring and Market Invoice take your details first and send quotes back later.
Many UK invoice finance comparison sites work as lead forms: you fill in your details, your enquiry is passed to a broker or partner, and quotes come back to you afterwards. Factor Now works the other way round. You give it your company and your aged debtor report, it matches them against the lending criteria of a panel of UK lenders, and it shows indicative funding and pricing from the lenders that fit before you speak to anyone.
Last reviewed 30 September 2026. Competitor details are taken from their own websites on that date; sources are listed at the bottom of this page.
The lead-form route
How lead-form comparison sites typically work
- 1Fill in a formTurnover, amount needed, email and phone number
- 2Become a leadYour details are passed to a broker or introduction partner
- 3Take phone callsSomeone may call to qualify you and ask for more information
- 4Broker speaks to lendersYour case is put to funders on your behalf
- 5Wait for quotesPricing arrives once funders have responded
The Factor Now route
Matching first, conversations later
- 1Your company + debtor ledgerCompanies House and credit data, plus your aged debtor report from any system
- 2Lender criteriaChecked against each panel lender's lending criteria
- 3MatchesOnly lenders whose criteria you meet
- 4Instant indicative ratesFunding and pricing shown on screen straight away for each matched lender
- 5Compare and chooseYou pick which lender to take forward
The difference in one line: on a lead-form site you wait for quotes to come back. On Factor Now you see indicative rates instantly, before anyone calls you.
Side by side
The first row is the one that matters most. This table only uses what each service says about itself on its own website. Where a service doesn't publish something, we say so rather than guess.
| Factor Now | Compare Factoring | Market Invoice | |
|---|---|---|---|
| When you see rates | Instantly. Indicative rates appear on screen as soon as matching finishes | Later. Quotes are sent to the contact details you give after you submit the form | Later. The introduction partner comes back with quotes; the site advertises 24-hour indicative quotes |
| What it is | Invoice finance matching platform | Invoice finance comparison service with in-house specialists | Invoice finance comparison and introducer service, not a lender |
| What you give first | Company details and your aged debtor report, uploaded from any system | Answers to a short form: whether you use invoice finance now, annual turnover, how much customers owe you, business age, then where to send quotes and your details | First step of a three-step form: business name, how soon you need funds, amount, monthly turnover, email and phone number |
| What happens next | Your company and ledger are checked against each panel lender's lending criteria | Puts you in contact with suitable funders; its specialists can help you compare offers and negotiate | Your enquiry goes to its introduction partner, eCapital, which comes back to you with quotes |
| What kind of pricing | Indicative funding and pricing per matched lender. The lender confirms after its own checks | Quotes from funders | Quotes via the introduction partner. On-site rates are described as research estimates, not quoted prices |
| Lender coverage | A panel of several UK lenders. Not whole of market | Says it works with 95% of funders in the market | Describes itself as whole of market and lists 87 providers in its directory; quote enquiries go to one introduction partner |
| How it's paid | Commission from the lender you choose. Free to you | Free to you; says there are no charges. Its home page doesn't say how it is paid | Fixed fee per introduction from its partner, whether or not you go ahead. Free to you |
| Company | Companies House 16960115 | Companies House 13215584 | Best Business Loans Ltd, Companies House 16833937 |
Compiled 30 September 2026 from each company's public website. Lender coverage figures are each company's own claims.
Which one suits you
These are different tools. The right one depends on what you have to hand and how much help you want.
Factor Now is likely to suit you if
- You invoice other businesses and need a facility of £25,001 or more.
- You can produce an aged debtor report, from whatever accounting system you use.
- You want instant indicative rates from the lenders that fit, before anyone phones you.
- You're looking at factoring, invoice discounting or recruitment pay and bill finance.
A broker or lead-form site may suit you better if
- You want the widest possible search across the market.
- You'd like someone to negotiate with funders for you.
- Your situation is complex, such as switching from a lender that is exiting, and you want a person handling it from the start.
- You don't have a debtor ledger yet, for example as a new start business.
Questions people ask
How quickly can I see invoice finance rates on Factor Now compared with Compare Factoring and Market Invoice?
Factor Now shows instant indicative rates on screen once your company and aged debtor report have been matched against its panel lenders' criteria. Compare Factoring sends quotes to the contact details you give after you submit its form, and Market Invoice's introduction partner comes back to you with quotes, which the site advertises within 24 hours. Factor Now's rates are indicative; the lender you choose confirms pricing after its own checks.
What is the difference between Factor Now and Compare Factoring?
Compare Factoring asks you a short set of questions about your business and where to send your quotes, then puts you in contact with suitable funders, and its specialists can help you compare offers and negotiate. Factor Now matches your company and aged debtor report against the lending criteria of a panel of UK lenders and shows indicative funding and pricing on screen before any lender is involved.
What is the difference between Factor Now and Market Invoice?
Market Invoice (marketinvoice.co.uk) describes itself as a comparison and introducer service. Its quote form asks for your business name, funding amount, turnover, email and phone number, and its introduction partner eCapital handles the enquiry and comes back to you with quotes. Factor Now shows indicative funding and pricing from matched panel lenders on screen, and you choose which lender to take forward.
Does Factor Now cover the whole invoice finance market?
No. Factor Now works with a panel of several UK invoice finance lenders, not the whole market. If you want the widest possible search or someone to negotiate for you, a broker may suit you better.
Are Factor Now's prices final offers?
No. Factor Now shows indicative funding and pricing based on your company data and debtor ledger. The lender you choose then carries out its own checks, underwriting and credit approval before making a formal offer.
What size of facility does Factor Now handle?
Factor Now handles business invoice finance facilities from £25,001, covering factoring, invoice discounting and recruitment pay and bill finance.
Sources and method
We read each competitor's own public pages on 30 September 2026 and recorded only what they state about themselves. We haven't used mystery-shopping or third-party reviews. If anything here is out of date or wrong, contact us and we'll correct it.
- Compare Factoring home page and quote form
- Market Invoice factoring page, quote form and funding disclosure
- Companies house