Skipton Business Finance is a UK business lender and a subsidiary of Skipton Building Society. Registered under Companies House number 04171724 and authorised under FCA firm reference number 476791, the provider delivers financial solutions aimed at helping UK small and medium enterprises (SMEs) achieve their growth goals. With a focus on human-led invoice discounting alongside other commercial finance options, Skipton Business Finance works directly with business owners seeking working capital.
Business Finance Products Offered
Skipton Business Finance provides a range of funding solutions for commercial applicants. Their core product portfolio includes:
- Invoice Finance: Human-led invoice discounting solutions that allow businesses to unlock cash tied up in outstanding unpaid invoices.
- Business Loans: Commercial loan solutions tailored to assist businesses with capital expenditure and operational requirements.
- Revolving Credit and Lines of Credit: Flexible credit arrangements that allow businesses to draw down funding as required to maintain ongoing liquidity.
- Commercial Mortgages, Bridging, and Development Finance: Funding options designed for commercial property purchases, short-term bridging, and property development projects.
In addition to its standard product range, Skipton Business Finance is an accredited lender for government-backed schemes, including the Growth Guarantee Scheme, offering extra support to growing UK businesses.
Key Provider Information
The table below provides a summary of the core details and credentials for Skipton Business Finance.
| Feature | Details |
|---|---|
| Provider Type | Lender (Subsidiary of Skipton Building Society) |
| FCA Reference Number | 476791 |
| Companies House Number | 04171724 |
| Core Products | Invoice finance, business loans, revolving credit, commercial mortgages, bridging, development finance |
| Government Schemes | Accredited lender (e.g. Growth Guarantee Scheme) |
| Access Route | Direct |
| Official Website | https://www.skiptonbusinessfinance.co.uk/ |
Target Sectors and Ideal Business Profile
Skipton Business Finance targets SMEs across many sectors looking for working capital solutions that support ambitious growth plans. Rather than relying entirely on automated scoring, the lender emphasizes a human-led approach to invoice discounting and commercial funding.
The provider has specific expertise and tailor-made finance solutions in several key industries, including:
- Engineering
- Logistics
- Manufacturing
- Recruitment Finance (including pay-and-bill solutions)
- Service-Sector Invoice Finance
- Transport
Eligibility Criteria, Deal Sizes, and Sole Trader Terms
When considering Skipton Business Finance for commercial funding, business owners should note specific publishing details regarding funding thresholds:
- Minimum Deal Size: Skipton Business Finance does not publish a minimum deal size.
- Maximum Deal Size: Skipton Business Finance does not publish a maximum deal size.
- Sole Trader Eligibility: Details regarding funding availability for sole traders are not published by the lender.
Because specific minimums, maximums, and sole trader criteria are not published by the lender, businesses must contact the provider directly or work with finance specialists to assess exact eligibility based on their business profile and financial statements.
How to Apply for Funding with Skipton Business Finance
Skipton Business Finance operates primarily on a direct basis. Business owners can research products or initiate an inquiry directly through the official Skipton Business Finance website. Applicants will generally need to provide business documentation, trading history, and invoice records depending on the chosen funding facility.
Compare Business Finance Options with SME Money
While Skipton Business Finance offers tailored invoice discounting and commercial facilities, securing the right business funding requires evaluating options across the market. Choosing a single provider directly can limit your visibility of alternative rates, structure flexibility, or covenant terms available elsewhere.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank or finance provider. Whether your business requires Invoice Finance, commercial Business Loans, or specialist Asset Finance, SME Money helps ensure you find funding matched precisely to your business growth strategy.