October 1, 2025
Lists

Th best Invoice Finance Lenders for Recruitment Agencies in the UK

Discover the best invoice finance lenders for recruitment agencies in the UK in 2025. Compare top providers to find flexible and reliable funding solutions that boost your agency's cash flow.
Jesse Spence
Finance content writer / Market researcher

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-10-01.

RankProviderSummaryLoan range; APR; Term
1Funding AgentFunding Agent is a well-established finance company offering tailored financing solutions for recruitment agencies across the UK.£1,000–£50,000; 5.9%–19.9% APR; 0–0 months
2SonovateSonovate provides flexible, tech-driven invoice financing for recruitment agencies, helping them to unlock cash flow quickly and efficiently.£5,000–£1,000,000; 9%–29.9% APR; 0–0 months
3Swoop FundingSwoop Funding offers a wide range of tailored funding solutions for SMEs, including loans and equity finance, primarily serving startups and small to medium enterprises.£1,000–£500,000; 6.9%–24.9% APR; 0–0 months
4Close Brothers Invoice FinanceClose Brothers Invoice Finance provides invoice discounting and factoring to support business cash flow, specializing in service industries.£1,000–£750,000; 0%–0% APR; 0–0 months
5Bibby Financial ServicesBibby Financial Services is a leading independent invoice finance provider, supporting over 10,000 businesses with cash flow funding.£0–£500,000; 8.9%–0% APR; 0–0 months
6Workwell OutsourcingWorkwell Outsourcing provides comprehensive invoice financing and workforce management solutions, focusing on recruitment businesses.£5,000–£1,000,000; 0%–0% APR; 0–0 months
7Growth LendingGrowth Lending offers flexible funding solutions tailored to high-growth and tech businesses, providing invoice and asset-based lending.£50,000–£5,000,000; 0%–0% APR; 0–0 months
8Skipton Business FinanceSkipton Business Finance offers invoice factoring and discounting services to enhance business cash flow and support SME growth strategies.£0–£0; 0%–0% APR; 0–0 months
9ECapitalECapital specializes in invoice factoring, supporting small to medium-sized enterprises in improving cash flow through efficient finance solutions.£0–£250,000; 0%–0% APR; 0–0 months
10TriverTriver provides tailored invoice finance solutions with a focus on transparency and efficiency, supporting businesses with quick fund releases.£0–£0; 0%–0% APR; 0–0 months

1. Funding Agent

Funding Agent delivers specialized finance solutions aimed at recruitment agencies seeking reliable options. They're suitable for UK SMEs looking for predictability. Their offerings emphasize definitive terms, enhancing user confidence.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.9%
  • Max APR: 19.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Recruitment

Pros

  • Customizable loan solutions
  • Fast approval process

Cons

  • Limited to recruitment agencies

Sources: https://www.fundingagent.co.uk/post/top-invoice-financing-options-for-recruitment-agencies

2. Sonovate

Sonovate specializes in tech-driven invoice finance for recruitment firms. Their services are ideal for businesses needing rapid cash flow solutions. Flexible terms and quick access to funds make them a preferred choice for dynamic companies.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 9%
  • Max APR: 29.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

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

Pros

  • Fast funding
  • Great customer support

Cons

  • Higher APR for smaller loans

Sources: https://www.sonovate.com/company/about/,https://evolvebusinessfinance.co.uk/news/meet-the-lender-peter-felix-sonovate/ https://www.sonovate.com/company/about/,https://evolvebusinessfinance.co.uk/news/meet-the-lender-peter-felix-sonovate/

3. Swoop Funding

Swoop Funding connects SMEs with varied funding avenues, offering loans and equity options. They serve growing businesses needing adaptable financial support. Their broad network simplifies access to diverse funding types.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance, Loans, Equity Finance
  • Industries: SMEs, Technology, Food

Pros

  • Comprehensive platform
  • Competitive rates

Cons

  • Complex application process

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

4. Close Brothers Invoice Finance

Close Brothers Invoice Finance offers comprehensive invoice finance services. Tailored for service industry providers, they help manage cash flow with flexibility. Their solutions fit businesses in need of industry-specific expertise.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Service Industries, Business Services

Pros

  • Flexible funding options
  • Industry expertise

Cons

  • Complex fee structure

Sources: https://www.closeinvoice.co.uk/,https://www.closeinvoice.co.uk/s/industries/service-industries https://www.closeinvoice.co.uk/,https://www.closeinvoice.co.uk/s/industries/service-industries

5. Bibby Financial Services

Bibby Financial Services supports SMEs with tailored finance solutions. As a trusted partner, they offer dedicated cash flow support. Their expertise is ideal for firms looking for custom financial management.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 8.9%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: SMEs

Pros

  • Strong support network
  • Flexible terms

Cons

  • High entry requirements

Sources: https://www.bibbyfinancialservices.com/,https://www.bibbyfinancialservices.com/about-us https://www.bibbyfinancialservices.com/,https://www.bibbyfinancialservices.com/about-us

6. Workwell Outsourcing

Workwell Outsourcing provides expert finance management for recruitment agencies. Their solutions ensure comprehensive support, adapting to business needs. They're suited for agencies seeking seamless integration into existing operations.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Recruitment

Pros

  • 100% invoice funding
  • Bad debt protection

Cons

  • Requires extensive documentation

Sources: https://workwelloutsourcing.com/,https://workwellsolutions.com/ https://workwelloutsourcing.com/,https://workwellsolutions.com/

7. Growth Lending

Growth Lending provides growth-oriented finance solutions for tech and high-growth industries. Their offerings support rapid expansion with tailored funding. Perfect for businesses prioritizing flexibility and growth avenues.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Tech, High-Growth Industries

Pros

  • Tailored for high-growth businesses
  • Flexible funding

Cons

  • Not suitable for startups

Sources: https://www.expertmarket.com/uk/invoice-factoring/top-invoice-factoring-companies-uk

8. Skipton Business Finance

Skipton Business Finance facilitates invoice finance and discounting services for SMEs. They are suitable for businesses aiming to enhance cash flow. Their client-focused approach offers substantial support for existing businesses.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Strong customer relationships
  • Supportive service

Cons

  • Limited to existing businesses

Sources: https://www.expertmarket.com/uk/invoice-factoring/top-invoice-factoring-companies-uk

9. ECapital

ECapital focuses on supporting SMEs through effective invoice factoring solutions. Ideal for firms needing streamlined processes to improve cash flow. Their strategy involves quick fund access without sector restrictions.

Loan Details

  • Min Amount: £0
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Quick access to funds
  • Streamlined process

Cons

  • Limited to specific industries

Sources: https://fundingbay.co.uk/top-invoice-financing-companies-uk/

10. Triver

Triver delivers transparent and efficient invoice financing solutions. They focus on swift fund releasing for varied enterprise needs. Apt for businesses prioritizing straightforward processes.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Various

Pros

  • Efficient process
  • Transparent fees

Cons

  • Moderate client size required

Sources: https://fundingbay.co.uk/top-invoice-financing-companies-uk/

How to choose

Selecting the right invoice finance provider involves comparing loan sizes, APR rates, and terms tailored to your agency's needs. Assess the flexibility of repayment options and how they align with your cash flow, especially during seasonal shifts. Evaluate each provider's eligibility criteria and speed of access to funds. Consider the range of services offered, such as collateral requirements or potential for early repayment without penalties. Prioritize features that match your agency's growth strategy.

Conclusion

Choosing the right finance provider depends on aligning your business needs with the specific strengths of the lender. Banks may offer stability with more stringent conditions, while brokers provide broad access and flexibility. Specialists like Funding Agent are ideal for tailored recruitment agency finance. Ensure that you confirm the latest terms directly with providers, as offerings can change. Always assess the suitability based on your agency's sector and financial requirements.

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FAQ’S

What is invoice finance and how does it work for recruitment agencies?
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