Eligibility
Can a sole trader get invoice finance?
By Chris Findlow · 21 July 2026
FundingLinks arranges finance for limited companies, LLPs and PLCs, not for sole traders or ordinary partnerships. Some lenders in the wider market will fund sole traders, but it is not an area we cover. If your business is incorporated and invoices other businesses on terms, invoice finance is likely to be a fit.
For FundingLinks specifically, the answer is no. We arrange finance for incorporated businesses: limited companies, limited liability partnerships and public limited companies. We do not cover sole traders or ordinary partnerships.
That is a deliberate line about who we are set up to help, not a comment on your business. There are lenders in the wider market who do fund sole traders, so it is worth looking, just not something we are the right broker for.
If your business is a limited company that invoices other businesses and waits to get paid, then invoice finance is very likely worth exploring. The product works by advancing cash against your unpaid invoices, so what matters most is that you have a clean sales ledger of business-to-business invoices on credit terms.
If you are a sole trader thinking about incorporating as you grow, that can change what is available to you, and it is a sensible thing to weigh up with your accountant. Once you are incorporated and invoicing on terms, we are happy to have the conversation.
Written by
Chris Findlow
Director, FundingLinks
Director at FundingLinks with over 15 years across commercial lending, invoice finance and fintech partnerships, including senior leadership roles at Kriya. He works directly with SMEs to match them to the right lender across the whole market.
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