The Best Invoice Finance Lenders for Accountancy Firms in the UK for 2026

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2025-10-06.

1. Funding Agent

Funding Agent Funding Agent focuses on AI-powered business loans designed for SMEs. Its offerings tend to be unsecured and suited for those seeking quick, transparent options. The process is streamlined for fast access to funds, making it ideal for urgent working capital needs. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 15.9%
• Loan Duration: 0–0 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: SMEs, Marketing Agencies

Pros

• Specializes in AI-powered solutions
• High loan amounts

Cons

• Limited information on APR range

Sources: https://www.fundingagent.co.uk/post/top-10-business-loan-lenders-using-ai-uk

2. Bibby Financial Services

Bibby Financial Services is a prominent invoice finance provider known for flexible cash flow solutions for UK businesses. It typically offers funding secured on receivables with a focus on quick access and scalable options. The service suits firms needing reliable cash flow management. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 29%
• Loan Duration: 12-24 months⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Various

Pros

• Leading independent invoice finance specialist

Cons

• Higher APR for smaller businesses

Sources: http://www.bibbyfinancialservices.co.uk/

3. ECapital

ECapital eCapital offers quick and flexible invoice finance options for businesses seeking to unlock cash tied up in receivables. It provides advances, often based on invoice values, and aims for rapid transaction execution. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Various

Pros

• Fast and flexible funding

Cons

• Details on APR and minimum loan amounts are not clear

Sources: https://www.capalona.co.uk/our-lenders/ecapital-commercial-finance/

4. Triver

Triver Triver provides a flexible cash flow finance solutions, often based on invoice or receivables, tailored for SMEs wanting to improve liquidity. Its offerings are suitable for firms seeking quick access and custom arrangements. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £400,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Cash Flow Financing
• Industries: SMEs

Pros

• Customisable finance options

Cons

• Limited details on APR

Sources: https://www.capalona.co.uk/our-lenders/triver/

5. Optimum Finance

Optimum Finance Optimum Finance provides invoice finance solutions that can be accessed quickly, often leveraging technology to streamline approval processes. It is suited for businesses seeking flexible funding options with rapid turnarounds. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Various

Pros

• Flexibility in funding

Cons

• Lack of detailed APR and loan amount information

Sources: https://optimumfinance.co.uk/

6. Kriya

Kriya Kriya, formerly MarketFinance, provides invoice finance solutions tailored for SMEs. It offers flexible funding options that are managed via technology platforms, often suitable for businesses seeking quick access to working capital. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £10,000,000
• Min APR: 1.5%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Financing
• Industries: SMEs

Pros

• High loan amounts offered

Cons

• Details on APRs are not comprehensive

Sources: https://www.fundinvoice.co.uk/invoice-finance/meet-invoice-provider/

7. Growth Lending

Growth Lending Growth Lending offers funding options for rapidly expanding SMEs, often providing larger loans that can support growth initiatives. They work with companies seeking scalable finance solutions. Here's what to know:

Loan Details

• Min Amount: £2,000,000
• Max Amount: £10,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Growth Loans
• Industries: Tech Sectors

Pros

• Large loan amounts for high-growth companies

Cons

• High entry loan barrier

Sources: https://growthlending.com/

8. Skipton Business Finance

Skipton Business Finance offers flexible invoice finance and asset based lending options for UK SMEs. Its long-standing presence in the market helps with reliable, tailored solutions. It is suitable for established firms seeking varied financing options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Factoring, Asset Based Lending
• Industries: Various

Pros

• Long-standing experience in the industry

Cons

• Specific loan details are hard to ascertain

Sources: https://www.skiptonbusinessfinance.co.uk/

9. Swoop Funding

Swoop Funding Swoop Funding offers quick, flexible SME loans often used for working capital and growth. They facilitate simple access through technology-driven processes. Suitable for firms needing fast capital, they are a brokered option. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1-5 years⌛

Services & Industries

• Finance Types: SME Loans, Invoice Finance
• Industries: Various

Pros

• Simplified application process

Cons

• Limited information on APRs

Sources: https://swoopfunding.com/

10. Close Brothers Invoice Finance

Close Brothers Invoice Finance Close Brothers specialises in invoice and asset based lending solutions for SMEs. It offers flexible, customisable terms often based on receivables value. Their service is suitable for firms seeking tailored, scalable funding. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance, Asset Based Lending
• Industries: Various

Pros

• Renowned for tailored solutions

Cons

• Specific APR details unclear

Sources: https://www.closeinvoice.co.uk/

How to choose

When selecting an invoice finance provider for accountancy firms, consider the type of funding needed—whether it is factoring, invoice discounting or unsecured credit. Larger firms may prefer brokered or larger-scale solutions, while smaller practices might seek straightforward options. Match the provider's offering to your cash flow requirements and growth plans. Check the eligibility criteria, fees, and repayment terms thoroughly. This ensures you choose the most suitable and cost-effective option for your practice.

Conclusion

Matching the right provider depends on your firm’s needs. Bank offerings tend to be more traditional and may require security, while brokers often provide access to a wider range of options. Specialist lenders like Funding Agent focus on AI and tech-enabled solutions. Always assess the suitability of each option with your financial circumstances. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.