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.
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
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
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
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
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
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
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
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
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
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
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.