Disclaimer

Not financial advice

The information, guides, and calculator results provided by LoanLens are for educational and informational purposes only. They do not constitute financial advice, investment advice, or any other form of regulated advice as defined by the Financial Services and Markets Act 2000.

You should not make financial decisions based solely on information from this website. Always seek independent professional advice from a qualified financial adviser before making decisions about your business finance.

Regulatory status

Invoice finance (including factoring and discounting) is not a regulated activity in the UK and is not subject to FCA regulation. LoanLens is not authorised or regulated by the Financial Conduct Authority. We do not carry out regulated activities as defined under the Financial Services and Markets Act 2000 or the Financial Services Act 2012.

We do not arrange invoice finance facilities, act as a broker, provide financial advice, or provide investment services.

Calculator results

Calculator results are estimates based on the information you provide and indicative market rate data. They are not quotes or guarantees. Actual invoice finance costs depend on your specific business circumstances, sector risk profile, customer creditworthiness, provider terms, and other factors we cannot account for in a general calculator.

Market rates change frequently. We update our rate data regularly, but rates may have changed since the last update. Always obtain quotes from providers directly and compare multiple offers before making a decision.

External links and affiliate relationships

This website contains links to third-party websites, including affiliate links. LoanLens has no control over the content of third-party websites and accepts no responsibility for them. The inclusion of a link does not imply endorsement.

Affiliate links are clearly disclosed. We may earn a commission if you use an affiliate link and subsequently purchase a product or service. This does not affect our editorial independence or calculator accuracy.

Business debt consolidation content

LoanLens also publishes educational content and tools about business debt consolidation — the process of combining multiple business loans into a single facility. Unlike invoice finance, business loans are regulated products under the Financial Services and Markets Act 2000.

Our consolidation guides and calculator are for educational purposes only. We do not arrange loans, act as a credit broker for loan products, or provide regulated financial advice. Business loans are subject to FCA regulation — always seek advice from an FCA-authorised commercial finance broker before making decisions about consolidating business debt.

If you submit an enquiry via our consolidation lead form, we will share your details with FCA-authorised commercial finance brokers who may contact you about suitable products. We do not ourselves arrange, recommend, or take responsibility for any loan products they offer.

No warranty

While we take care to ensure the accuracy of information on this website, we make no warranty or representation — express or implied — that the information is accurate, complete, or up-to-date. We accept no liability for any loss or damage of any kind arising from the use of, or reliance on, information obtained from this website.