The Best Invoice Finance Lenders for Consultancy Agencies 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 offers invoice finance and working capital solutions suitable for SMEs. Its focus is on quick, flexible funding options that provide access to cash tied up in invoices, often with brokered access and tailored repayment plans.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: Invoice Finance, Business Loans
• Industries: Consultancy, Recruitment

Pros

• Competitive APR
• Customizable repayment terms

Cons

• Limited to UK businesses

Sources: https://www.fundingagent.co.uk/post/best-invoice-finance-lenders-for-recruitment-agencies-in-the-uk

2. Sonovate

Sonovate Sonovate provides financing solutions that cater to recruitment firms and consultancies. Its offerings are typically organised around invoice funding and flexible repayment terms, often with quick access and brokered options for growth and operational needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 5.9%
• Max APR: 19.9%
• Loan Duration: 0 months⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Recruitment, Consultancy

Pros

• Quick access to funds
• Funding up to 100% of invoice value

Cons

• Primarily focused on recruitment industry

Sources: https://www.sonovate.com

3. Swoop Funding

Swoop Funding Swoop offers an online funding marketplace that connects SMEs with suitable finance options. It provides quick access to a variety of funding types, focusing on invoice finance and flexible repayment terms tailored for fast-growing service and consultancy firms.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: SMEs, Consultancy

Pros

• Variety of funding options
• User-friendly online platform

Cons

• May require more time to process applications for larger sums

Sources: https://swoopfunding.com/uk/sectors/

4. Close Brothers Invoice Finance

Close Brothers Invoice Finance Provides invoice finance services focused on unlocking cash in unpaid invoices for various industries. Its solutions include invoice factoring and discounting, with flexibility suited to different business sizes and growth stages.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Factoring, Invoice Discounting
• Industries: Service, Manufacturing, Recruitment

Pros

• Strong industry reputation
• Flexible finance options

Cons

• Detailed application process

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

5. Bibby Financial Services

Bibby Financial Services Offers invoice finance and related funding options mainly to SMEs. Its solutions focus on quick, flexible cash flow solutions with various repayment options, suited for sectors requiring adaptable short-term funding.

Loan Details

• Min Amount: £2,000
• Max Amount: £500,000
• Min APR: 7%
• Max APR: 29%
• Loan Duration: 12-24 months⌛

Services & Industries

• Finance Types: Invoice Finance, Factoring
• Industries: SME, Consultancy

Pros

• Flexible terms
• Comprehensive client support

Cons

• Higher upper APR limit

Sources: https://www.bibbyfinancialservices.com

6. Workwell Outsourcing

Workwell Outsourcing Provides invoice finance and workforce management solutions suitable for recruitment agencies. Its services include flexible cash flow tools and integrated workforce funding to support operational needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £100,000
• Min APR: 5.9%
• Max APR: 19.9%
• Loan Duration: 0 months⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Recruitment

Pros

• Comprehensive service offering
• Recruitment focused

Cons

• Limited to recruitment and consultancy

Sources: https://workwelloutsourcing.com

7. MarketInvoice

MarketInvoice Now known as Kriya offers invoice finance solutions for SMEs focused on improving cash flow and flexible funding. It connects businesses with suitable lenders for operational and growth needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 1.5%
• Max APR: 0%
• Loan Duration: 0 months⌛

Services & Industries

• Finance Types: Invoice Finance, Business Loans
• Industries: SMEs

Pros

• Flexible finance options
• Strong SME focus

Cons

• Limited APR information

Sources: https://www.fintechfutures.com/commercial-sme-lending/marketinvoice-rebrands-moves-into-uk-business-lending

8. Kriya

Kriya Kriya provides flexible B2B financing options for SMEs, including invoice finance and working capital loans. Its focus is on efficient funding solutions suited for varied business growth and operational needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £10,000,000
• Min APR: 1.5%
• Max APR: 30%
• Loan Duration: 0-12 months⌛

Services & Industries

• Finance Types: Invoice Finance, Working Capital Loans
• Industries: Consultancy, SMEs

Pros

• Large funding amount
• Quick approval times

Cons

• Wide APR range

Sources: https://www.kriya.co

9. Growth Lending

Growth Lending Growth Lending offers funding solutions focused on fast-growing businesses. Its services include flexible growth loans and tailored funding for sectors with high-growth potential. Access is often via brokers or direct lenders, with an emphasis on operational expansion and scaling.

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: High-growth, Tech

Pros

• Large loan amounts
• Growth-focused approach

Cons

• Higher minimum loan threshold

Sources: https://growthlending.com

10. Skipton Business Finance

Skipton Business Finance Specialises in invoice finance for UK businesses. Its products are designed for companies seeking flexible cash flow management and quick funding. Solutions include invoice factoring and funding that can support operational growth and sector-specific needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £5,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies⌛

Services & Industries

• Finance Types: Invoice Finance, Factoring
• Industries: SME

Pros

• Experienced provider
• Flexible funding options

Cons

• Lack of detailed APR data

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

How to choose

When selecting an invoice finance provider, consider your company's cash flow needs and operational scale. Brokered or online marketplace options can offer broader choices and quick access, while specialist lenders may provide more tailored terms. Evaluate funding speeds, repayment flexibility, and security requirements. Matching loan features to your sector and growth plans helps ensure a suitable fit.

Conclusion

Matching your choice of lender to your specific needs depends on your use case. Banks generally offer larger, secured loans suitable for property or high-value investments. Brokers facilitate access to multiple lenders, often with quicker approval. Sector specialists and invoice finance providers focus on flexible, short-term cash flow solutions ideal for consultancies and recruitment agencies. 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 verify current costs and terms with the provider as pricing may change.