Pulse Finance (formerly Pulse Cashflow Finance) is an independent UK invoice finance provider based in Basingstoke, Hampshire, offering invoice factoring and confidential invoice discounting to limited companies with £350,000–£25 million in annual turnover. Founded in 2010 and operating under a Management Buy-Out structure, Pulse positions itself as a relationship-driven alternative to institutional providers – with a 4.3/5 Trustpilot rating and maximum facility size of £5 million. This is our independent review for 2026.
- Up to 90% advance within 24 hours - Pulse releases up to 90% of an invoice’s value, typically within 24 hours of invoice upload
- £5 million maximum facility - Facilities scale up to £5m, suiting firms from around £350,000 turnover to established businesses over £25m
- Bespoke, quote-based pricing - Costs combine a finance charge (a margin over the Bank of England base rate) and a service charge (a percentage of turnover); no rate card is published
- Factoring and confidential discounting - Full-service factoring (Pulse chases payment) plus confidential invoice discounting for firms over £2m turnover
- Relationship-led but thin review base - A dedicated account manager from day one, though just 9 Trustpilot reviews (4.3/5) mean limited independent feedback
Pulse Finance Review: Key Facts
Pulse Finance (FCA FRN: 763330) offers invoice factoring for limited companies projecting £1m+ in first-year turnover (or established businesses with £350K+), and invoice discounting for businesses with £2m+ turnover, 2 years of trading, and a positive balance sheet. Maximum facility is £5 million. Advance rate is up to 90%, with funding within 24 hours. Pricing uses a two-fee structure (finance charge as % over base rate + service charge as % of turnover) – rates are quoted individually.
| Factor | Detail |
|---|---|
| Formerly known as | Pulse Cashflow Finance |
| Founded | 2010 |
| Ownership | Independent – Management Buy-Out |
| FCA FRN | 763330 (Pulse Cashflow Finance Limited) |
| Trustpilot | 4.3/5 – 9 reviews (“Excellent”) |
| Min. turnover (factoring) | ~£350K established / £1m projected (startups) |
| Min. turnover (discounting) | £2,000,000 |
| Max. facility | £5,000,000 |
| Advance rate | Up to 90% |
| Funding speed | Within 24 hours |
Pulse Finance Products
Pulse Finance offers two core products: invoice factoring (advance against unpaid invoices, Pulse manages credit control) and confidential invoice discounting (advance against the ledger, you manage credit control; your customers are unaware). Both products support facilities up to £5 million and fund within 24 hours. Optional debtor protection (credit insurance) is available as an add-on. Pulse accepts startups for invoice factoring with sufficiently high projected turnover.
Invoice factoring is Pulse’s primary product – released cash is received within 24 hours of invoice upload, and Pulse handles credit control (chasing payments) on your behalf. Debtor protection is available as an optional add-on, which covers up to a specified percentage of invoice value against customer insolvency. This is particularly useful for businesses in sectors like construction, recruitment, or transport where customer concentration risk is high.
Confidential invoice discounting is available to established businesses with £2 million+ turnover, 2 years of trading history, and a positive balance sheet. The facility is confidential – customers pay into a trust account in your business name, unaware that Pulse is the underlying funder. You retain full responsibility for credit control and debt collection. Facility sizes range from £200,000 to £5 million.
Pulse Finance Fees and Rates
Pulse Finance uses a two-fee structure standard in UK independent invoice finance: a finance charge (agreed percentage above the Bank of England base rate – charged on the amount advanced each day) and a service charge (agreed percentage of your annual turnover, covering Pulse’s administration and credit control service). Specific rates are not published and are quoted individually after assessment. With the base rate at 3.75% (March 2026), total annual costs for a typical facility will include both the finance charge on the advanced balance and the fixed service fee.
Who Is Pulse Finance Best For?
Pulse Finance is best suited for established UK limited companies in manufacturing, transport, recruitment, construction, security services, or healthcare with £350,000–£25 million in annual turnover that want a relationship-managed invoice finance facility with a dedicated account manager. It is not suitable for sole traders, businesses needing funds below £200,000 for discounting, or businesses wanting a digital self-serve experience without account management. Startups with strong projected turnover (£1m+ in year one) can access factoring.
Pulse Finance Customer Reviews
Pulse Finance has 9 verified Trustpilot reviews with a 4.3/5 “Excellent” rating. The small review count reflects its mid-market positioning – Pulse works with a focused client base rather than high volumes of small transactions. All published reviews highlight dedicated, named account managers and the transparency of their fee structure. The MBO structure (management-owned, not owned by a large institution) is frequently mentioned as a differentiator that enables faster, more flexible decisions.
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Our Verdict
Pulse Finance is well suited to UK SMEs with £350,000 to £25 million turnover that want a dedicated invoice finance specialist and a named account manager from day one, with facilities up to £5 million and up to 90% advance. Its small independent review base means the relationship and facility terms matter more than headline ratings.
