About Me.
For more than 30 years, Regency Factors has helped UK businesses turn unpaid invoices into working capital. We’re independent, privately owned, and built around long-term relationships — not call centres, rigid lending policies, or automated decisions.
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We take the time to understand your business, your customers, and your ambitions, so the funding we provide genuinely supports your growth.
The Regency Difference
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What Makes Us Different?
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Personal Service – You’ll deal with real people who take the time to understand your business, not a faceless system.
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Speed & Simplicity – Quick decisions, clear terms, and funding without the red tape.
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Trusted Partnerships – Introducers rely on us because we treat every referral with care and respect.
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Flexibility – From hauliers to the bigger SMEs across the UK, we tailor invoice finance to fit real-world needs.
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Proven Experience – With more than 30 years in the industry, we’ve built a reputation for reliability, trust, and results.
The invoice finance specialists
Independent and
Relationship Led
Real People, not
bureaucracy
There are no distant head offices to slow things down, you'll have a dedicated relationship manager who knows your business, your customers and your cashflow cycle.
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Many of our clients come to us after being treated like a number by a larger institution.
Funding tailored to you
Every business is different,
So is every facility.
We don’t believe in “one-size-fits-all.” Whether you need full factoring with credit control, CHOCCs (client-handles-own-credit-control), or a confidential factoring facility, we’ll shape the solution around how you trade.
Experience across Industries
We understand how your sector works
Our team has decades of experience funding businesses in manufacturing, wholesale, recruitment, professional services, engineering and more.
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We understand sector specific payment cycles and the realities of running a business that relies on 30-90 payment terms.
We had a great opportunity to take on extra routes, but the upfront fuel and driver costs were huge. Our customers don’t always pay quickly, so without invoice finance from Regency, we’d have had to turn it down
Sarah, Ops Manager, Haulage Firm,
North West
Large corporate clients always take their time paying, but our suppliers need cash upfront. Invoice finance bridges the gap, letting us buy materials immediately, keep production on schedule and meet deadlines.
Paul, Director, Metal Fabrication business,
Midlands
Invoice finance from Regency keeps our projects moving without dipping into reserves. It’s helped us take on bigger jobs with confidence, knowing the money we’ve earned is available when we need it for wages and materials