October 3, 2025
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The Best Invoice Finance Lenders for Marketing agencies in the UK for 2026

Discover the best invoice finance lenders for marketing agencies in the UK for 2026. Compare rates, terms, and choose the right finance partner to grow your business.
Jesse Spence
Finance content writer / Market researcher

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 2025-10-03.

Rank Provider Summary Loan range; APR; Term
1Funding AgentFunding Agent provides fast, simple invoice financing options for businesses, including marketing agencies, across the UK with competitive rates and flexible terms.£0–£500,000; 8.9%–24.9% APR; Unknown
2KriyaKriya, previously known as MarketFinance, offers selective invoice finance solutions tailored to the needs of SMEs in the UK.£5,000–£10,000,000; 8.9%–24.9% APR; Unknown
3Bibby Financial ServicesBibby Financial Services is a leading independent invoice finance provider offering cash flow funding solutions to over 10,000 businesses in the UK.£0–£5,000,000; 8.9%–24.9% APR; Unknown
4MarketFinanceMarketFinance provides innovative business loans and invoice finance options to support UK SMEs' growth and cash flow needs.£2,000–£500,000; 7%–29% APR; 12-24 months
5Skipton Business FinanceSkipton Business Finance offers flexible finance solutions including invoice financing to support SME cash flow in the UK market.£0–£500,000; 2.5%–5% APR; Up to 10 years
6Metro BankMetro Bank provides various business lending solutions, including invoice finance, designed to meet the needs of growing businesses.£1,000–£50,000; 9.6%–18.9% APR; Unknown
7Growth LendingGrowth Lending supports UK businesses with various financial solutions, including invoice finance and loans.£1,000–£50,000; 6%–15% APR; Unknown
8Lloyds BankLloyds Bank offers a range of business loan products to support UK companies, including tailored services for different business needs.£1,000–£50,000; 11.2%–15% APR; Unknown
9Optimum FinanceOptimum Finance specialises in invoice finance solutions to help B2B SMEs manage cash flow efficiently.£10,000–£500,000; 8%–12% APR; Unknown
10RBS FacFlowRBS offers FacFlow, an invoice finance facility that helps businesses access funds locked in their unpaid invoices.£0–£50,000; 3%–12% APR; Unknown

1. Funding Agent

Funding Agent Funding Agent offers quick access to invoice finance and business loans designed for cash flow management. These solutions are suitable for marketing agencies seeking flexible, short-term funding options that can support operational costs and growth initiatives. The process is streamlined for speed and ease, often brokered through lending platforms.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 8.9%
  • Max APR: 24.9%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: Marketing, Legal, Compliance

Pros

  • Easy application process
  • Quick approval

Cons

  • Not specified

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

2. Kriya

Kriya Kriya focuses on providing selective invoice finance options tailored for SMEs, supporting working capital needs. These products are appropriate for marketing agencies looking for flexible cash flow solutions. The service is brokered and designed for quick capital access on invoice security.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 8.9%
  • Max APR: 24.9%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Selective Invoice Finance
  • Industries: SMEs

Pros

  • Flexible financing options
  • Supports single invoice finance

Cons

  • Limited to invoice financing only

Sources: https://rosewoodfinance.co.uk/invoice-finance/compare-companies/kriya/

3. Bibby Financial Services

Bibby Financial Services Bibby offers invoice finance, discounting, and asset finance to support working capital and cash flow. They serve a wide range of sectors, including marketing agencies needing quick, secured funding. Their solutions are brokered to provide swift access and flexibility.

Loan Details

  • Min Amount: £0
  • Max Amount: £5,000,000
  • Min APR: 8.9%
  • Max APR: 24.9%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Finance, Discounting, Asset Finance
  • Industries: Various

Pros

  • Wide range of finance solutions
  • Established provider

Cons

  • Interest rates can vary based on risk

Sources: https://www.bibbyfinancialservices.com/

4. MarketFinance

MarketFinance MarketFinance delivers flexible financial products, including invoice finance and small business loans, aimed at supporting cash flow. They serve marketing agencies and SMEs seeking quick, accessible funding options. The solutions are brokered and time-efficient for operational needs.

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, Business Loans
  • Industries: Various

Pros

  • Competitive rates
  • Flexible terms

Cons

  • Higher APR for short-term loans

Sources: https://www.fundingagent.co.uk/lender-reviews/marketfinance-reviews

5. Skipton Business Finance

Skipton Business Finance Skipton offers invoice finance and flexible funding options suitable for SMEs seeking reliable cash flow solutions. They focus on securing working capital for growth or seasonal needs within the UK. The products aim for quick access and manageable repayment terms.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 2.5%
  • Max APR: 5%
  • Loan Duration: Up to 10 years⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Established reputation
  • Flexibility

Cons

  • Focused mainly on SMEs

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

6. Metro Bank

Metro Bank Metro Bank offers various business lending options, including invoice finance tailored for growing companies. These products support cash flow management and funding needs for expanding marketing agencies. The process often involves brokered access for speed and simplicity.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 9.6%
  • Max APR: 18.9%
  • Loan Duration: Unknown⌛

Services & Industries

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

Pros

  • Multiple loan products
  • Flexible options

Cons

  • Higher interest rates for unsecured loans

Sources: https://www.metrobankonline.co.uk/business/borrowing/products/commercial-loans/

7. Growth Lending

Growth Lending Growth Lending offers financial support for UK companies through tailored loans and invoice finance schemes. Designed for businesses planning growth, these solutions support cash flow and working capital needs. The products are brokered to enable easy access without requiring traditional collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Growth Loan, Invoice Finance
  • Industries: Various

Pros

  • Lower starting interest rates
  • Supports business growth

Cons

  • Limited amount range

Sources: https://www.british-business-bank.co.uk/finance-options/debt-finance/growth-guarantee-scheme

8. Lloyds Bank

Lloyds Bank Lloyds offers a variety of business loans targeted at companies needing growth capital or working capital support. They provide tailored options for sectors such as marketing agencies. The service involves broker access and flexible repayment structures.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 15%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Robust customer service
  • Wide range of products

Cons

  • Higher rates for small loans

Sources: https://lloydstsb.co.uk/business/business-loans.html

9. Optimum Finance

Optimum Finance Optimum Finance provides invoice finance solutions primarily for B2B sectors, enabling quick cash flow management for clients. They focus on supporting marketing agencies with accessible financing options. The service is brokered to ensure swift approval and flexible terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 12%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Specializes in SME finance
  • Fast approval process

Cons

  • Focused solely on invoice finance

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

10. RBS FacFlow

RBS FacFlow RBS offers an invoice finance facility that provides quick access to funds based on unpaid invoices. It is suitable for marketing agencies and businesses seeking reliable and efficient cash flow support, often with brokered and flexible options. The service is aimed at securing short-term liquidity needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £50,000
  • Min APR: 3%
  • Max APR: 12%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Various

Pros

  • Reputable bank
  • Innovative services

Cons

  • May require personal guarantees

Sources: https://www.rbs.co.uk/business/loans-and-finance/invoice-finance/facflow.html

How to choose

Choose a provider based on your specific finance needs and business size. For quick access and simple procedures, brokered solutions like Funding Agent may be suitable. Larger organisations or those requiring tailored services might prefer established banks or specialised lenders. Consider factors such as loan size, APR, repayment terms, and sector focus. Reviewing eligibility criteria and fee structures will help ensure the best fit for your marketing agency.

Conclusion

Matching the right provider to your needs depends on the type of finance required and your business model. Bank-led options generally offer stability and wider product ranges, while brokered solutions tend to focus on speed and flexibility. Sector-specific lenders can add value if they understand your industry. 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.

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