Current facility limit
The approved limit, rather than only the amount drawn.
Aldermore Invoice Finance · October 2026
Aldermore Invoice Finance Review: Replacement Options for Affected Businesses
City AM has reported possible changes for facilities below £1m. Aldermore has confirmed a strategic review, but not that threshold or the final scope. If Aldermore has contacted you, NBS can compare replacement routes, saving you time approaching providers one by one.
Access to 250+ funding routes through our lender and specialist partner network. One short enquiry; no documents needed.
NBS Finance is a commercial finance broker and introducer, not a lender. Any replacement facility is subject to provider assessment and terms.
Aldermore replacement review
Start with your facility limit and deadline
You do not need every answer to start a conversation. Tell us your name, company, current Aldermore facility limit and any deadline or notice date. Not sure is fine. No documents are needed for this initial conversation.
Prefer to speak? Call 07849 709772 or email info@nbsfinance.co.uk.
What is happening with Aldermore Invoice Finance?
On 1 October, City AM reported proposals to scale back the invoice-finance business.
Reported proposal
Sources cited by City AM described a £1m minimum financing line and a potential reduction from roughly 500 customers to around 100.
Aldermore has confirmed a strategic review, but not the reported threshold or final scope.
Business Quarter’s 2 October report makes the same distinction. Aldermore’s own product information, FAQs and E3 portal links remain publicly available at the time of checking.
Your direct communication from Aldermore and your own agreement determine what applies to your business.
Is your Aldermore facility below £1 million?
The size range in reporting does not mean every sub-£1m customer has definitely had funding withdrawn.
If you have received a change, review or non-renewal notice, understand replacement options early. The priority is coordinating funding continuity, including payroll and supplier payments.
Aldermore has contacted you?
Send us the facility limit and any deadline. We can review what a replacement provider is likely to need and identify suitable routes to explore.
Review Replacement OptionsWhat should you check if Aldermore has contacted you?
The first conversation can start with the limit and deadline. These details help with the next assessment stage.
Current utilisation
Approximately how much is currently drawn?
Notice or deadline
Any review, termination or non-renewal date in Aldermore’s communication.
Facility type
Factoring, invoice discounting, confidential discounting or another structure.
Monthly invoicing
Approximate business-to-business invoicing each month.
Aged debtors
An up-to-date aged debtor ledger, when you are ready for provider assessment.
Top debtors / concentration
The share of the ledger owed by your largest customers.
Current pricing / advance
Advance rate, service fee, discount charge and other material costs, if known.
Security / notice terms
Existing security, debenture and contractual notice requirements.
Before giving notice or changing an existing facility, understand the contractual notice, settlement and security requirements and how replacement funding would be coordinated.
See our guides to invoice-finance costs and eligibility.
How does switching invoice-finance provider work?
- Review the existing agreement.
- Understand settlement and notice requirements.
- Prepare debtor-ledger information.
- Compare suitable provider structures.
- The new provider completes underwriting.
- Coordinate settlement and the release or replacement of security.
- The replacement facility goes live once its conditions are met.
A switch may involve debtor notices or collection-account changes, depending on the structure. Agree the handover sequence before making changes; continuity matters.
Read our guide to switching invoice finance providers.
What replacement invoice-finance structures could be considered?
The right route depends on the business, debtor book and provider criteria. Every route is subject to assessment.
Invoice factoring
Funding plus provider-managed credit control.
Explore invoice factoring →Invoice discounting
Your business retains more control of collections.
Explore invoice discounting →Confidential invoice discounting
Customers are not ordinarily informed of the arrangement, subject to provider criteria.
Explore confidential invoice discounting →Recruitment invoice finance
For recruitment businesses funding payroll before clients pay.
Explore recruitment invoice finance →Construction invoice finance
Eligible applications for payment or certificates need specialist assessment.
Explore construction invoice finance →Larger / more complex facilities
For substantial or complex debtor books, potentially including asset-based structures.
Explore larger / more complex facilities →For the broader picture, see invoice finance.
How NBS Finance can help
You do not necessarily need to approach replacement providers one by one. NBS can review suitable routes through its lender and specialist partner network.
We are already speaking with invoice-finance lenders about replacement facilities for businesses affected by the current Aldermore situation. Lenders in our network are willing to review competitive pricing and terms for affected businesses, subject to their assessment. We can compare these with your current arrangement.
250+ funding routes
Access through our lender and specialist partner network.
Existing facility review
Start with what you currently have, not from a blank sheet.
Compare structure as well as price
Advance rate, concentration, service, credit control, fees, notice and security all matter.
One initial enquiry
Start with the facility limit, deadline and debtor-book basics.
A provider makes its own assessment and sets any offer, advance rate, fees, security and terms.
Your questions, answered
Is Aldermore ending invoice finance?
Aldermore has confirmed a strategic review of its invoice-finance operation. City AM reported proposals to reduce the customer base, including a minimum £1m financing line. The final scope has not been publicly confirmed.
Are all Aldermore invoice-finance facilities below £1m being withdrawn?
The threshold is a reported proposal, not a publicly confirmed final policy. Check the communication about your own facility.
What should I do if Aldermore has contacted my business?
Check your facility limit, amount drawn, notice or deadline, facility type and current agreement. An aged debtor report and details of your main customers will also help a replacement provider assess the case.
Can an invoice-finance facility be moved to another provider?
Potentially, yes. Switching providers is a normal commercial process, but the existing facility must be settled. Security, notices and collection arrangements may need coordinating. Any replacement is subject to the new provider’s assessment and terms.
How quickly can a replacement invoice-finance facility be arranged?
Timing varies with the business, debtor book, documentation, existing security and provider assessment. Starting before the existing facility ends usually gives more room to manage the transition.
Will I need to change from factoring to invoice discounting?
Not necessarily. The appropriate structure depends on the debtor book, credit-control requirements, reporting capability and provider criteria.
Can NBS Finance compare different invoice-finance providers?
NBS Finance can review suitable routes through its lender and specialist partner network. Individual providers decide whether to offer a facility and set their own pricing, advance rate, security and terms.
Does NBS Finance charge the client a separate broker fee?
NBS Finance does not charge the client a separate broker fee. Finance providers determine their own rates, charges, fees, security and terms.
Have a facility to review?
Start with the information you have. Tell us your facility limit and the date you need to work towards.
Sources and transparency
Last checked: 7 October 2026
- City AM — Aldermore puts jobs at risk in retreat from invoice finance market — 1 October 2026
- Business Quarter — Aldermore weighs cutback in invoice finance — 2 October 2026
- Aldermore Bank — official invoice-finance information, invoice-finance FAQs and login centre
NBS Finance is independent of Aldermore Bank and is not affiliated with Aldermore.