March 26, 2026
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Best Invoice Financing Lenders for the Construction Industry

Discover the best invoice financing lenders tailored for the UK construction industry. Boost your cash flow and keep your projects running smoothly with reliable funding options.
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Best Invoice Financing Lenders for the Construction 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 Construction 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 helping UK SMEs quickly compare various business finance options through a streamlined application process. It is typically suitable for businesses seeking transparent terms and fast eligibility assessment. The platform supports flexible unsecured lending options without requiring collateral, facilitating straightforward access to capital.

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. Bibby Financial Services

Bibby Financial Services specialises in cash flow finance and invoice factoring, supporting SMEs in industries like construction and subcontracting. It is generally suitable for businesses needing reliable working capital solutions with moderate flexibility. Their offerings often include structured finance with industry-specific expertise and competitive terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 1–5 years ⌛

Services & Industries

  • Finance Types: Invoice Finance, Factoring
  • Industries: Construction, Subcontracting

Pros

  • Strong construction industry expertise
  • Flexible finance solutions

Cons

  • High minimum loan amount

Sources: Source

3. Novuna

Novuna provides a broad spectrum of financial solutions focused on debt financing and unsecured lending across sectors like retail and construction. Suitable for businesses seeking variable loan structures and flexible repayment options. Novuna emphasises affordable funding with a range of rates reflecting risk level and loan size.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 6.9%
  • Max APR: 36.4%
  • Loan Duration: Varied ⌛

Services & Industries

  • Finance Types: Debt Financing, Unsecured Loans
  • Industries: Retail, Construction

Pros

  • No hidden fees
  • Wide loan range

Cons

  • Higher APR for larger loans

Sources: Source

4. Ultimate Finance

Ultimate Finance focuses on asset-based lending tailored to commercial and asset finance sectors. It suits businesses aiming to maintain growth using secured funding backed by assets. The lender offers flexible repayment terms and innovative financing options adapted to client needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 6.5%
  • Max APR: 14.5%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Asset Based Lending, Invoice Finance
  • Industries: Asset Finance, Commercial

Pros

  • Tailored financial products
  • Strong industry presence

Cons

  • Higher financial requirement
  • Complex products

Sources: Source

5. Lloyds Bank

Lloyds Bank provides a variety of loan products and overdrafts mainly focused on manufacturing and infrastructure sectors. It is suitable for businesses seeking corporate-backed funding with varied repayment and loan size options. Lloyds offers structured, reliable finance with an emphasis on established industries.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Overdraft
  • Industries: Manufacturing, Infrastructure

Pros

  • Large corporate backing
  • Varied loan products

Cons

  • Higher APR for small loans

Sources: Source

6. Close Brothers

Close Brothers offers specialist lending and deposit solutions, concentrating on asset and commercial finance. It typically suits UK SMEs that prefer secured funding with diverse finance options. Their approach combines flexibility with established lending standards across multiple sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £100,000,000
  • Min APR: 2.5%
  • Max APR: 12%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Commercial Finance
  • Industries: Asset Finance, Beverage

Pros

  • Wide range of finance options
  • Strong SME focus

Cons

  • High threshold for maximum loans

Sources: Source

7. eCapital

eCapital specialises in invoice and trade finance solutions designed to improve cash flow for businesses across various UK sectors including transportation and healthcare. It is a good fit for SMEs needing flexible terms with options tailored to cash flow cycles. The provider supports a range of repayment types with brokered access to funding.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 15.9%
  • Loan Duration: Varied ⌛

Services & Industries

  • Finance Types: Invoice Finance, Trade Finance
  • Industries: Transportation, Healthcare

Pros

  • Flexible terms
  • Strong cash flow support

Cons

  • Limited public information on APR

Sources: Source

8. Triver

Triver offers invoice financing with a focus on speed and flexibility for SMEs, utilising technology to provide quick capital access. It is suited for smaller businesses looking for straightforward, short-term invoice finance solutions. Repayment options and terms are typically flexible to accommodate business cash flow.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 7%
  • Max APR: 13%
  • Loan Duration: 1–12 months ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Small Businesses, Technology

Pros

  • Instant capital access
  • No hidden fees

Cons

  • Limited to SMEs

Sources: Source

9. Nucleus Commercial Finance

Nucleus Commercial Finance delivers innovative working capital and merchant cash advance products aimed at SMEs and alternative lending markets. It is often chosen by businesses seeking flexible repayment options backed by customised finance. The provider balances risk with adaptable solutions to meet diverse funding needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 19.9%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Working Capital
  • Industries: SME Finance, Alternative Lending

Pros

  • Flexible repayment
  • Innovative solutions

Cons

  • Higher rates for higher risk

Sources: Source

10. Paragon

Paragon provides a range of lending solutions including commercial and asset finance. It suits established SMEs needing bespoke loan structures, often for real estate and finance sectors. Paragon emphasises personalised service and competitive terms tailored to business growth objectives.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £60,000,000
  • Min APR: 8%
  • Max APR: 14%
  • Loan Duration: 1–15 months ⌛

Services & Industries

  • Finance Types: Commercial Loans, Asset Finance
  • Industries: Real Estate, Finance

Pros

  • High maximum loan
  • Specialist solutions

Cons

  • Higher minimum loan size

Sources: Source

How to choose

When selecting the best invoice financing lender for the construction industry, assess your loan requirements carefully. Match loan size and APR with your project budget and expected cash flow. Consider eligibility criteria specific to construction businesses, including collateral needs and turnover thresholds. Balance application speed with the flexibility of repayment terms. Check if lenders offer specialised services for subcontractors or SMEs. Lastly, review all fees, conditions, and transparency before committing.

Conclusion

Choosing the right invoice financing lender depends on your business needs and financial situation. Bank providers often offer stable, regulated products suited for well-established companies, while brokers like Funding Agent provide quick access to multiple lenders. Specialist lenders may serve niche sectors or offer more flexible terms at the cost of higher rates. Consider loan size, speed, security requirements, and industry expertise when deciding. Always verify terms and prices for a 200 thousand pounds loan to find the best fit for your construction business.

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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
2Bibby Financial ServicesBibby Financial Services is a leading independent funder offering a range of cash flow finance solutions including invoice finance.£10,000–£300,000; 14.1%–14.1% APR; 1–5 years
3NovunaNovuna provides innovative financial solutions across the UK, focusing on supporting businesses in managing cash flow and growth effectively.£10,000–£5,000,000; 6.9%–36.4% APR; Varied
4Ultimate FinanceKnown for its asset based lending solutions, Ultimate Finance provides tailored financial support to businesses aiming to maintain momentum and grow.£5,000–£2,000,000; 6.5%–14.5% APR; 12–84 months
5Lloyds BankLloyds Bank offers comprehensive financial services across the UK, focusing on supporting businesses with tailored financial products.£1,000–£50,000; 11.2%–14.9% APR; 1–60 months
6Close BrothersClose Brothers is a specialist financial service provider in the UK, offering a wide range of lending and deposit taking solutions.£5,000–£100,000,000; 2.5%–12% APR; 3–60 months
7eCapitaleCapital Financial Corporation offers a wide variety of funding solutions designed to improve cash flow for UK businesses.£1,000–£500,000; 6.9%–15.9% APR; Varied
8TriverTriver provides fast, flexible invoice financing solutions for SMEs, leveraging advanced technology to streamline access to capital.£5,000–£2,000,000; 7%–13% APR; 1–12 months
9Nucleus Commercial FinanceNucleus provides a wide range of innovative finance solutions tailored to meet the needs of UK SMEs.£10,000–£500,000; 6%–19.9% APR; 3–36 months
10ParagonParagon offers a range of lending products tailored to support growing SMEs in the UK, with an emphasis on bespoke financial products.£1,000–£60,000,000; 8%–14% APR; 1–15 months
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