March 26, 2026
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Best Invoice Financing Lenders for the Cleaning Services Industry

Discover the best invoice financing lenders tailored for the cleaning services industry in the UK. Improve cash flow and grow your business with trusted financing solutions.
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Best Invoice Financing Lenders for the Cleaning Services Industry
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Invoice Financing Lenders for the Cleaning Services Industry

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 providing a straightforward comparison tool for SMEs seeking invoice financing and various business loans. It is suitable for franchise buyers and small businesses wanting a streamlined, quick application process with easy eligibility checks. They offer flexible options often without requiring collateral, accommodating a wide range of loan 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 specialises in bank-backed invoice financing with tailored lending solutions aimed at established businesses. It fits UK SMEs requiring reliable funding with flexible repayment options and brokered access to mainstream financial services. Collateral requirements vary according to loan size and business profile.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Flexible financing options
  • Established banking services

Cons

  • Higher interest rates for smaller loans

Sources: Source

3. Hydr

Hydr operates a fully digital platform offering invoice finance with high loan-to-value coverage and fast turnaround. It is designed for SMEs needing quick access to funds with minimal paperwork and transparent terms. The platform emphasises speed and ease, generally without requiring physical collateral.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 24 hours for funding

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Various Industries

Pros

  • Fully digital platform
  • Speedy funding

Cons

  • Specific industry focus may not suit all

Sources: Source

4. Fleximize

Fleximize provides flexible business loans tailored to SME needs, including options that cater to varying credit profiles and repayment schedules. It suits companies looking for adaptable funding with competitive terms and options for unsecured borrowing. Flexibility in amounts and loan durations helps accommodate business growth and cash flow cycles.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 1–5 years

Services & Industries

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

Pros

  • Tailored finance solutions
  • Wide range of loan amounts

Cons

  • Higher APR rates

Sources: Source

5. Ultimate Finance

Ultimate Finance specialises in asset-based lending and tailored financial solutions for SMEs with specific needs. It is appropriate for businesses seeking finance secured against assets or property and requiring longer loan terms. Flexibility in repayment and focused support helps meet complex business requirements.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12-84 months

Services & Industries

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

Pros

  • Tailored funding solutions
  • Responsive service

Cons

  • Complex terms for beginners

Sources: Source

6. Storonsky (Revolut)

Storonsky (Revolut) offers innovative financial products including invoice financing integrated with fintech platforms. It is relevant for businesses looking for technologically advanced solutions with peer-to-peer lending features. Their approach emphasises flexibility, digital access, and evolving finance structures for SMEs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Innovation in finance
  • P2P integration

Cons

  • Relatively new provider

Sources: Source

7. Capalona

Capalona provides loan comparison services and direct business lending suitable for UK SMEs needing a broad selection of finance options. It is aimed at businesses prioritising quick eligibility and competitive rates with variable terms and loan sizes. The platform helps to identify loans tailored to specific risk profiles and financial needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Wide range of loan options
  • Quick eligibility check

Cons

  • Higher rates for high-risk profiles

Sources: Source

8. Kriya

Kriya focuses on peer-to-peer business finance allowing SMEs to leverage sales invoices for quicker funding access. It is suitable for companies that want alternative funding outside traditional lenders with options for rapid disbursement. Their structure supports flexible repayment methods and higher advance rates.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Funds within 24 hours

Services & Industries

  • Finance Types: Peer-to-Peer Lending, Invoice Financing
  • Industries: Various Industries

Pros

  • Quick access to funds
  • High advance rates

Cons

  • Peer-to-peer nuances

Sources: Source

9. Bibby Financial Services

Bibby Financial Services provides invoice financing alongside a range of business financial services tailored primarily for SMEs. It fits businesses needing flexible funding options with variable terms and professional support. Their offerings generally include multiple finance products adaptable to business cash flow needs.

Loan Details

  • Min Amount: £7,500
  • Max Amount: £25,000
  • Min APR: 6.3%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Wide range of services
  • Flexible solutions

Cons

  • Limited maximum loan size

Sources: Source

10. OnDeck

OnDeck specialises in fast small business loans designed for quick approvals and straightforward terms. It suits SMEs needing rapid access to funds with flexible repayment structures and a focus on convenience. Their offerings generally include adaptable solutions aligned to immediate working capital needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 8%
  • Max APR: 24%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Fast approvals
  • Tailored financing

Cons

  • Higher APR for certain profiles

Sources: Source

How to choose

When selecting the best invoice financing lender for the cleaning services sector, assess how loan size and APR align with your operational budget. Understand eligibility requirements and verify the speed of funding as some providers offer rapid disbursement, which can be critical for cash flow management. Consider the flexibility of loan terms and the necessity of collateral or security for your business. Evaluate the lender’s approach to repayment schedules and how they accommodate seasonal variations in your revenue. Investigate any fees involved and the impact of early repayment clauses to avoid unexpected costs. Finally, ensure the lender’s offerings support your long-term business plans and industry-specific needs.

Conclusion

Choosing the right invoice finance provider depends on the nature and scale of your business needs. Banks typically serve established companies seeking larger loans with extensive support, while brokers offer access to various specialist lenders suited for unique or complex cases. Specialist providers may be better for businesses requiring flexible terms or rapid funding. Funding Agent remains an option for SMEs looking for a comparative approach across multiple products. Always verify terms and pricing to ensure alignment with your specific funding requirements, such as securing a 200 thousand pounds loan.

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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 FinanceA trusted name in banking offering tailored invoice finance and business solutions.£5,000–£10,000,000; 11.2%–0% APR; Variable
3HydrHydr offers a fully digital platform with 100% loan-to-value invoice finance, providing funding in as little as 24 hours.£0–£0; 0%–0% APR; 24 hours for funding
4FleximizeFleximize offers flexible business loans ranging from £10K-£500K with various tailored options catering to SMEs.£25,000–£500,000; 14.1%–0% APR; 1–5 years
5Ultimate FinanceProvider of specialized asset-based lending with tailored solutions for business ambitions.£0–£0; 0%–0% APR; 12-84 months
6Storonsky (Revolut)Storonsky, co-founder of Revolut, offers innovative financial solutions including tailored invoice financing products.£0–£0; 0%–0% APR; Variable
7CapalonaCapalona provides business loans and finance comparison services, helping UK businesses find optimal funding solutions.£1,000–£10,000,000; 6%–15% APR; Variable
8KriyaKriya offers P2P business finance, enabling SMEs to leverage sales invoices for quick funding.£50,000–£0; 0%–0% APR; Funds within 24 hours
9Bibby Financial ServicesBibby provides invoice finance and other business financial services, primarily for SMEs.£7,500–£25,000; 6.3%–0% APR; Variable
10OnDeckOnDeck specializes in fast, reliable small business loans with tailored solutions and high approval rates.£0–£0; 8%–24% APR; Variable