IGF Invoice Finance

IGF provides asset-based lending and invoice finance to UK SMEs, with facilities structured around trade debtors, inventory, plant, machinery, and property. The firm writes both disclosed invoice discounting and confidential invoice finance, depending on the borrower's relationship with its own debtors. Term loans secured on fixed assets sit alongside revolving debtor facilities, giving IGF a secured creditor position across multiple asset classes in most engagements.

Yes. IGF participates in the Enterprise Finance Guarantee (EFG) program, a UK government facility that provides a 75% guarantee to lenders on qualifying SME loans. This draws in lenders like IGF that might otherwise decline exposures lacking sufficient tangible security. The EFG participation forms part of a dual-track approach where IGF runs guaranteed and non-guaranteed facilities side by side.

IGF targets owner-operated UK SMEs with turnover generally in the range of £500,000 to £10 million. The lower bound captures micro-enterprises transitioning from personal guarantee-only credit toward asset-backed facilities. The upper bound overlaps with the lower end of the mid-market, where companies begin to attract interest from bank corporate banking divisions and institutional direct lenders.

IGF underwrites credits that fall outside the automated scorecard models used by Lloyds, Barclays, and NatWest for SME lending. The firm's credit committee evaluates each facility manually, with a particular focus on debtor book concentration, customer payment behavior, and the quality of management rather than purely statistical default probabilities. This manual approach allows IGF to accommodate turnaround situations, seasonal working-capital spikes, and rapid growth trajectories that banks typically decline on covenant grounds.

No. IGF operates as an independent non-bank lender without a parent bank, private equity sponsor, or institutional LP base. The firm's capital structure is proprietary and not publicly disclosed, which keeps credit decisions inside a single committee rather than subject to a parent institution's risk-appetite framework. This independence is material to its ability to write facilities on short timelines without group-level credit approval.