Best Invoice Financing Lenders for the Professional 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.
Funding Agent provides a streamlined platform for UK SMEs to compare various business finance options quickly. It is suitable for businesses seeking to assess multiple loan offers efficiently. The service emphasises rapid eligibility checks and simple applications without requiring collateral.
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 offers a comprehensive range of financial products, including invoice finance tailored for small and large UK businesses. It is broadly suited to businesses requiring established banking services with structured offerings. The provider focuses on consistent terms but may vary in flexibility and requirement for security.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.9%
- Max APR: 11.2%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Finance, Business Loans, Overdrafts
- Industries: Various Industries
Pros
- Established financial institution
- Competitive fixed-rate loans
Cons
- Higher rate for smaller businesses
Ultimate Finance specialises in asset-based lending and invoice financing, supporting businesses with tailored solutions for working capital needs. It suits companies that require both flexibility and access to larger funding amounts. The provider offers varying repayment options with different asset collateralisation levels.
Loan Details
- Min Amount: £0
- Max Amount: £7,000,000
- Min APR: 0.5%
- Max APR: 3%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Invoice Factoring, Asset-Based Lending
- Industries: Various Industries
Pros
- High funding limit
- Quick turnaround
Cons
- Complex terms for new clients
Close Brothers Commercial Finance offers tailored invoice finance solutions across diverse sectors like agriculture and construction. It is suited to businesses requiring industry-specific finance sets and variable terms. The provider’s focus is on flexibility and bespoke service rather than fixed terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Invoice Finance, Asset Finance
- Industries: Agriculture, Construction, Manufacturing
Pros
- Industry-specific solutions
- Well-recognized brand
Cons
- Limited online information on rates
Bibby Financial Services delivers customised invoice financing, serving SMEs across several sectors with tailored support. It fits businesses valuing personalised service and variable terms. The range of finance products and sector reach offers flexibility for various operating models.
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 Finance, Export Finance
- Industries: Manufacturing, Transport
Pros
- Wide range of financial services
- Tailored support for SMEs
Cons
- Higher cost for smaller volumes
Novuna provides a variety of flexible finance solutions designed to improve cash flow and business stability. It is suitable for companies looking for adaptable terms and fast decisions. Loan options typically include a mix of secured and unsecured products tailored to business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £0
- Min APR: 6.9%
- Max APR: 36.4%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Invoice Finance, Business Loans
- Industries: Retail, Motor
Pros
- Fast decision process
- Flexible terms
Cons
- Higher rates for larger loans
Enness Global is a broker specialising in high-value finance products for affluent clients and businesses. It caters to those needing customised solutions and brokered access to exclusive loans. Speed and flexibility vary depending on client requirements and deal complexity.
Loan Details
- Min Amount: £500,000
- Max Amount: £50,000,000
- Min APR: 3.9%
- Max APR: 9.9%
- Loan Duration: 6-120 months ⌛
Services & Industries
- Finance Types: Invoice Finance, Mortgage Solutions
- Industries: Real Estate, Hospitality
Pros
- High-value finance solutions
- Tailored service for elite clients
Cons
- Service may not cater to smaller businesses
Sallyport Commercial Finance focuses on invoice factoring and cash flow solutions, primarily for professional services firms. It caters to businesses needing flexible finance options with a focus on customer understanding. Details on limits and rates may be less accessible but options adapt to client needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Factoring, Asset-Based Lending
- Industries: Professional Services
Pros
- Strong focus on customer understanding
- Flexible finance options
Cons
- Limited information on APR and limits
Touch Financial acts as a broker offering diverse business finance products, including invoice finance, to a variety of businesses. It suits firms seeking impartial advice across multiple lenders. Flexibility and term options depend on client needs and broker arrangements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Finance, Business Loans
- Industries: SME
Pros
- Independent advice from a range of lenders
- Specialists in invoice finance
Cons
- Lack of detailed APR information
Tailored Business Financing provides customised invoice finance solutions mainly for professional services firms. It is suited to businesses seeking bespoke financing with an emphasis on industry knowledge. The provider offers options catering to different repayment terms and financial agility needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 5%
- Max APR: 20%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Invoice Finance
- Industries: Professional Services
Pros
- Custom financing options
- Strong industry focus
Cons
- Broad APR range might unsettle smaller firms
How to choose
When selecting invoice financing for professional services, consider loan size and APR in relation to your cash flow and budget. Evaluate eligibility requirements carefully, as some lenders target specific industries or business sizes. Speed of funding and application ease are important for short-term needs, while flexibility in repayment terms and security requirements matter for ongoing finance. Brokered options may provide access to a broader lender panel but can involve additional fees. Always check for any early repayment penalties and compare the total cost of finance. Balancing these factors will help find the best match for your professional services business.
Conclusion
Choosing the right invoice financing provider depends on your business scale and needs. Banks often suit companies looking for established products with defined terms. Brokers can offer access to a range of lenders with tailored advice, while specialists provide industry-focused solutions. For quick comparisons and straightforward applications, Funding Agent remains a practical option. Matching the provider to your requirements ensures better financial management when arranging invoice finance around loans of 200 thousand pounds or more.
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