October 6, 2025

The Best Invoice Finance Lenders for IT support Companies in the UK for 2026

Discover the best invoice finance lenders tailored for IT support companies in the UK for 2026. Find flexible funding solutions to help grow your business.

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 straightforward invoice financing mainly suited to companies needing quick access to working capital. It caters to SMEs like IT support firms that value simplicity and speed. The funding process is flexible, focusing on secure invoices and quick turnaround times. 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 Financing
  • Industries: IT support

Pros

  • Fast service
  • Simple process

Cons

  • Not specified

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

2. Skipton Business Finance

Skipton Business Finance Skipton offers flexible invoice funding solutions suitable for growing SMEs. It focuses on supporting cash flow management and growth strategies for UK companies, especially those seeking reliable funding options. The process is often quick with various options for secured lending. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 4%
  • Max APR: 0%
  • Loan Duration: Up to 10 years⌛

Services & Industries

  • Finance Types: Invoice Financing, Asset-based Loans
  • Industries: Various

Pros

  • Flexible solutions
  • Strong market presence

Cons

  • Potential high APR

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

3. Ultimate Finance

Ultimate Finance Offers flexible funding solutions like working capital loans and asset finance for SMEs needing quick access to cash. Its services are suitable for those seeking manageable terms for operational or growth needs. The process typically involves secured lending with quick approval options. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 3 years⌛

Services & Industries

  • Finance Types: Cashflow Loans, Asset-based Lending
  • Industries: Various

Pros

  • High loan values
  • Institutional funding

Cons

  • Limited loan duration

Sources: https://ultimatefinance.co.uk/news-events/offering-working-capital-cashflow-loans-now-up-to-500k

4. Bibby Financial Services

Bibby Financial Services Provides invoice factoring and discounting options to SMEs for improving cash flow. It is suitable for businesses seeking flexible, secured funding backed by invoice securities. The service is typically fast, supporting rapid growth or cash management needs. 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, Invoice Discounting
  • Industries: SMEs

Pros

  • Independent specialist
  • Wide range of services

Cons

  • APR details not specified

Sources: https://www.bibbyfinancialservices.com

5. Close Brothers

Close Brothers Close Brothers offers various types of financing including business loans and asset finance. It caters to UK SMEs needing tailored funding solutions for growth or refinancing. The process involves personal or corporate security with flexible terms, depending on the deal. 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: Business Loans, Asset Finance
  • Industries: SMEs, Various

Pros

  • Diverse financial services
  • Established institution

Cons

  • Potentially high interest rates

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

8. Lloyds Bank

Lloyds Bank Lloyds Bank provides a wide array of financial products, including business loans and overdrafts. It supports UK SMEs through tailored credit solutions and secure funding options suitable for growth. The process emphasizes trust and track record, with flexible terms based on security and business type. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Various

Pros

  • Trusted brand
  • Wide service range

Cons

  • Higher APRs

Sources: https://lloydstsb.co.uk

9. Optimum Finance

Optimum Finance Offers invoice finance solutions aimed at helping SMEs improve cash flow. It focuses on quick, secured funding against unpaid invoices. The service is suitable for companies needing flexible terms and swift approval processes. Here's what to know:

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Flexible financing
  • Supports growth

Cons

  • Details on rates not exhaustive

Sources: https://optimumfinance.co.uk

10. Time Finance

Time Finance Time Finance offers a variety of funding options including invoice finance, mainly for UK SMEs. It provides flexible solutions to support both growth and cash management. The process is generally quick, with options for secured or unsecured 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, Business Loans, Asset-based Lending
  • Industries: Various

Pros

  • Comprehensive support
  • Strong market presence

Cons

  • Some APR details not clear

Sources: https://timefinance.com

How to choose

When selecting a lender for invoice financing in the UK, consider your company's size and cash flow needs. Bank options may offer lower rates but involve more extensive applications. Brokered or specialist providers like Funding Agent focus on speed and simplicity, often with flexible criteria. Review costs, repayment terms, and eligibility carefully. Matching provider type to your specific needs ensures you get the best deal for your IT support company in 2026.

Conclusion

Matching the right provider depends on your company's size, financing needs, and preference for speed or security. Banks like Lloyds and Lloyds provide wider product ranges and stricter criteria. Brokers such as Funding Agent focus on quick approvals and straightforward processes. Specialist lenders like Bibby Financial Services offer tailored solutions with invoice funding options. Always confirm current costs and terms with the lender; pricing may change.

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FAQ’S

What is invoice finance and how does it work?
Why should IT support companies consider invoice finance?
How do I choose the best invoice finance lender in the UK?
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How quickly can funds from invoice finance be accessed?

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