The Invoice Finance and Asset Based Lending (IF/ABL) Standards Framework

Invoice Finance and Asset-Based Lending are types of finance used by tens of thousands of businesses of all sizes in the UK. The Standards Framework sets and enforces the standards that clients of UK Finance's IF/ABL members can expect when using them.

These pages include information on the Framework, what it covers, how it works and how to make a complaint about an IF/ABL member. The key components of the Framework are the IF/ABL Code, the independent Complaints Process and the Professional Standards Council.

Further information is available below.

Complaints line contact information:
Call +44(0)20 3934 1456 or email


The IF/ABL Code

The IF/ABL Code and supporting Guidance set out the key commitments that IF/ABL Members will meet in their relationships with clients, prospective clients and guarantors. The Code is regularly reviewed and revised as appropriate.

Should an issue arise with an IF/ABL member, it will be considered against the Code that was in place at the time the action(s) occurred. The current version, along with previous versions provided by the former Asset Based Finance Association is available below.

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The independent Complaints Process

The Complaints Process is provided independently by CEDR Services and it is available to the majority of clients of IF/ABL Members, allowing concerns to be independently adjudicated upon. To find out more about the Complaints Process and who can access it:

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Switching Provider

Information about the Inter Member Transfer Process (IMTP) and what a client business should expect when switching their invoice finance facility between two IF/ABL Members is available below.

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The Professional Standards Council

The Professional Standards Council is responsible for overseeing the IF/ABL Code and the independent Complaints Process to ensure they remain effective. Further information is available in the Standards Framework Overview below.

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