March 26, 2026
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Best Invoice Financing Lenders for Construction Trades

Discover the best invoice financing lenders tailored for construction trades in the UK. Improve cash flow and grow your business with our expert 2024 guide.
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Best Invoice Financing Lenders for Construction Trades
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Invoice Financing Lenders for Construction Trades

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 2026-03-23.

1. Funding Agent

Funding Agent focuses on comparing multiple business finance products to help UK SMEs find suitable options quickly. It is typically suited for SMEs requiring a straightforward application with fast eligibility checks. The service offers flexible terms and unsecured loan options without collateral, supporting a range of repayment choices to fit different needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Lloyds Bank Invoice Finance

Lloyds Bank Invoice Finance offers invoice finance products designed to improve business cash flow. It is often appropriate for companies needing larger amounts with flexible repayment terms. The bank focuses on providing secured and unsecured options across various sectors, with competitive rates and broker access.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 1.5%
  • Max APR: 11.2%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • High advance rates
  • Flexible terms

Cons

  • Service closure warnings

Sources: Source

3. Swoop Funding

Swoop Funding specialises in providing tailored loans, equity finance, and grants for UK SMEs. It is suited for businesses seeking a range of funding solutions with some flexibility in repayment and eligibility. Their approach includes brokered access and funding options across multiple sectors, including creative industries.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £2,000,000
  • Min APR: 3.9%
  • Max APR: 15.5%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Quick access to funding
  • Diverse finance options

Cons

  • Requires collateral

Sources: Source

4. Bibby Financial Services

Bibby Financial Services delivers specialist SME funding solutions worldwide, focusing on invoice finance and business loans. It is well suited for SMEs in construction, manufacturing, and agriculture looking for short-term funding. Their products usually require some form of security and offer industry-specific expertise.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £3,000,000
  • Min APR: 6.3%
  • Max APR: 12%
  • Loan Duration: Short-term

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: Construction, Manufacturing, Agriculture

Pros

  • Specialist funding for SMEs
  • Wide industry coverage

Cons

  • Higher fees for smaller loans

Sources: Source

5. FundThrough

FundThrough specialises in invoice factoring, advancing cash on business-to-business invoices to aid cash flow. It is aimed at firms dealing primarily in invoice finance needing fast, short-term funding with no collateral. Their service is known for rapid approval and absence of long-term commitments.

Loan Details

  • Min Amount: £125,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term

Services & Industries

  • Finance Types: Invoice Factoring
  • Industries: B2B Companies

Pros

  • Fast approval
  • No long-term contracts

Cons

  • Limited to invoice transactions

Sources: Source

6. 1st Commercial Credit

1st Commercial Credit provides invoice factoring and trade finance solutions for diverse industries, focusing on short-to-medium term funding. It suits SMEs that require quick funding setups with specific finance types. Their products typically involve secured options and are tailored to sector needs like construction and manufacturing.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £350,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3-12 months

Services & Industries

  • Finance Types: Invoice Factoring, Purchase Order Financing
  • Industries: Construction, Manufacturing

Pros

  • Quick setup
  • No maximum limit

Cons

  • Limited to certain finance types

Sources: Source

7. Touch Financial

Touch Financial offers a variety of invoice finance and asset-based lending products tailored to industry-specific demands. It is ideal for UK SMEs in sectors like construction and transport that need flexible and sector-targeted finance solutions. Their offerings include options with varied collateral requirements and repayment schedules.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 6-24 months

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Construction, Transport, Retail

Pros

  • Diverse product range
  • Industry-specific solutions

Cons

  • Complex fee structures

Sources: Source

8. Riviera Finance

Riviera Finance provides invoice factoring with an emphasis on quick funding and no long-term contracts. This provider suits SMEs requiring short-term finance and fast access to cash flow without collateral. Their offerings typically cover various industries with straightforward terms and conditions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term

Services & Industries

  • Finance Types: Invoice Factoring
  • Industries: Various

Pros

  • Fast funding
  • No contracts

Cons

  • Limited to factoring

Sources: Source

9. Novuna Business Finance

Novuna Business Finance offers competitive invoice finance and business loan products to UK SMEs. It suits companies in construction and manufacturing seeking flexible terms and various finance types. Their solutions include a range of repayment schedules with options for secured or unsecured facilities.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 6-36 months

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: Construction, Manufacturing

Pros

  • Competitive pricing
  • Flexible terms

Cons

  • Limited product offerings

Sources: Source

10. Apollo Finance

Apollo Finance specialises in providing invoice finance to construction subcontractors, focusing on quick payment turnaround. It is suited for SMEs needing variable repayment options and CIS-friendly processes. Their service emphasises speedy decisions and access to funding without extensive security requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 5%
  • Max APR: 25%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Construction

Pros

  • CIS-friendly
  • Rapid decisions

Cons

  • High interest rates

Sources: Source

How to choose

When selecting the best invoice financing lenders for construction trades, consider the size of the loan and how it fits your business cash flow. Assess whether you prefer speed or flexibility, and whether collateral or security is required. Different providers offer various repayment terms and eligibility criteria. Check how each lender's terms align with your seasonality and cash flow patterns. Reviewing fees, early repayment conditions, and lender reputation is essential. Use this information to find the right balance of cost, convenience, and product fit for your business needs.

Conclusion

Matching the right provider to your use case depends on the nature of your business and financial needs. Banks may suit those requiring larger amounts or established credit history, brokers offer access to multiple options, and specialists provide tailored solutions for niche sectors like construction. Funding Agent is useful for SMEs looking for quick and broad finance comparisons. Always evaluate provider terms carefully before committing. For loans around 200 thousand pounds or higher, ensure the terms align with your repayment capacity and business cycle.

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FAQs

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Lloyds Bank Invoice FinanceLloyds Bank provides invoice finance solutions to help businesses manage their cash flow more effectively.£5,000–£10,000,000; 1.5%–11.2% APR; Variable
3Swoop FundingSwoop Funding provides tailored funding options, including loans and grants, for UK SMEs.£1,000–£2,000,000; 3.9%–15.5% APR; Variable
4Bibby Financial ServicesBibby Financial Services is a global provider of financial services, specializing in SME funding solutions.£10,000–£3,000,000; 6.3%–12% APR; Short-term
5FundThroughAn invoice factoring company offering fast cash advances on B2B invoices to improve cash flow.£125,000–£5,000,000; 0%–0% APR; Short-term
61st Commercial CreditSpecializes in providing invoice factoring and trade finance solutions to businesses across various industries.£1,000–£350,000; 0%–0% APR; 3-12 months
7Touch FinancialTouch Financial offers access to various invoice finance options tailored to specific industry needs.£5,000–£10,000,000; 5%–15% APR; 6-24 months
8Riviera FinanceProvides invoice factoring services with no long-term contracts and same-day funding.£5,000–£2,000,000; 0%–0% APR; Short-term
9Novuna Business FinanceOffers competitive invoice finance options to boost cash flow for UK businesses.£10,000–£5,000,000; 5%–20% APR; 6-36 months
10Apollo FinanceProvides fast payments on invoices for construction subcontractors in the UK.£10,000–£5,000,000; 5%–25% APR; Variable