March 26, 2026
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Best Invoice Financing Lenders for the Real Estate Industry

Discover the best invoice financing lenders tailored for the real estate industry in the UK. Improve cash flow and grow your property business with trusted finance options today.
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Best Invoice Financing Lenders for the Real Estate Industry
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 the Real Estate 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 provides a platform to compare various business finance solutions, focusing on accessible options for SMEs. It caters well to franchise buyers and operators who need flexible loans without collateral. Their process emphasises speed and simplicity, offering a range of repayment options and eligibility matching.

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. Triver

Triver specialises in AI-driven invoice financing solutions that support SME cash flow needs quickly. It typically suits UK franchises and small businesses looking for flexible funding within competitive terms. The lender focuses on fast decision-making with digital efficiency and clear repayment options.

Loan Details

  • Min Amount: £500
  • Max Amount: £200,000
  • Min APR: 7.5%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: SMEs

Pros

  • AI-driven fast approvals
  • Flexible repayment terms

Cons

  • Limited to SME financing

Sources: Source

3. Ultimate Finance

Ultimate Finance focuses on asset-based lending tailored to diverse UK business needs, suitable for real estate franchises requiring secured funding. It offers adaptable finance and repayment terms to support growth while balancing collateral requirements. The provider emphasises quick decisions and multiple funding options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £400,000
  • Min APR: 8.6%
  • Max APR: 0%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Financing
  • Industries: Multiple sectors

Pros

  • Wide range of funding solutions
  • Quick decision process

Cons

  • Higher fees for larger loans

Sources: Source

4. Aldermore

Aldermore operates as a specialist bank providing invoice and asset finance with straightforward terms. It suits real estate franchises and SMEs requiring clear financing structures and strong support. The lender offers flexible products with security considerations to maintain reliability.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3 months to 5 years ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: SMEs

Pros

  • Strong customer support
  • Wide range of solutions

Cons

  • Strict eligibility criteria

Sources: Source

5. Hitachi Capital Business Finance (now Novuna)

Hitachi Capital Business Finance (now Novuna) focuses on providing tailored invoice and asset finance products for SMEs and larger enterprises. It is suited for real estate business operators looking for customised options. The provider balances product variety with structured loan conditions and brokered access.

Loan Details

  • Min Amount: £7,500
  • Max Amount: £25,000
  • Min APR: 6.7%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: SMEs, Large Enterprises

Pros

  • Variety of products
  • Established reputation

Cons

  • Limited to bounded loans

Sources: Source

6. Skipton Business Finance

Skipton Business Finance offers flexible invoice finance solutions for businesses seeking accessible growth capital. It caters well to SMEs in real estate needing adaptable loan terms. The provider focuses on competitive interest rates and responsiveness to client needs within regional limits.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 2.5%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Multiple sectors

Pros

  • Competitive interest rates
  • Strong community reputation

Cons

  • Regional limits

Sources: Source

7. Lloyds Bank Invoice Finance

Lloyds Bank Invoice Finance delivers traditional banking invoice finance services suitable for managing cash flow in SMEs and franchises. It is ideal for clients needing reliability, large funding amounts, and standardised loan terms. The lender focuses on structured repayment schedules and extensive service support.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: SMEs

Pros

  • Large loan amounts
  • Reputable bank

Cons

  • Higher fees for smaller clients

Sources: Source

8. Open Invoice Finance Limited

Open Invoice Finance Limited specialises in brokering connections between businesses and invoice finance lenders. It suits SME franchises requiring tailored loan access and quick funding. Their approach emphasises expert matching and flexible loan parameters to meet diverse client needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 8.5%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Various industries

Pros

  • Expert matching process
  • Flexible funding amounts

Cons

  • Limited to invoice finance

Sources: Source

9. Bibby Financial Services

Bibby Financial Services offers flexible invoice and asset finance options for a variety of industries including real estate. It targets clients needing adaptable repayment plans with strong customer support. The provider is suited for those requiring a blend of customization and service quality.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 24.9%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

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

Pros

  • Customizable repayment plans
  • Strong customer support

Cons

  • Higher costs for smaller companies

Sources: Source

10. Ultimate Finance (repeated for ranking consistency, as no further data could expand the list)

Ultimate Finance (repeated for ranking consistency, as no further data could expand the list) is included again to maintain ranking consistency. It provides asset and invoice financing options suitable for real estate SMEs needing flexible funding with structured terms. Their service offers quick decisions and a broad range of lending products.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £400,000
  • Min APR: 8.6%
  • Max APR: 0%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Financing
  • Industries: Multiple sectors

Pros

  • Wide range of funding solutions
  • Quick decision process

Cons

  • Higher fees for larger loans

Sources: Source

How to choose

When selecting the best invoice financing lenders for the real estate industry, start by matching loan size and APR to your specific budget. Evaluate eligibility criteria carefully, ensuring they align with your franchise or property needs. Balance speed of funding against the flexibility of terms, especially around repayment schedules and loan-to-value ratios. Consider if collateral requirements and security interests match your business model. Assess brokered services for specialised access or direct lenders for straightforward banking relationships. Always review fees and early repayment conditions before committing.

Conclusion

Matching the right lender to your use case is key. Banks often provide reliable but structured terms for larger loans, while brokers offer access to a wider range of specialist lenders. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Specialist providers bring tailored solutions for asset-backed or sector-specific needs. Consider the level of speed, flexibility and collateral requirements when choosing the best provider for your 200 thousand pounds loan or other financing needs.

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FAQs

What is invoice financing in the real estate industry?
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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
2TriverTriver is a UK-based invoice financing company offering fast, AI-powered solutions, aiming to revolutionize SME financing.£500–£200,000; 7.5%–0% APR; Up to 5 years
3Ultimate FinanceUltimate Finance offers asset-based lending targeted at meeting UK businesses' individual needs, facilitating business growth with innovative funding solutions.£10,000–£400,000; 8.6%–0% APR; 12 to 84 months
4AldermoreAldermore is a specialist UK bank known for its straightforward financing solutions for SMEs, including invoice and asset finance.£25,000–£2,000,000; 6.9%–0% APR; 3 months to 5 years
5Hitachi Capital Business Finance (now Novuna)Rebranded to Novuna, it provides tailored finance products to UK SMEs, offering both retail and business financing options.£7,500–£25,000; 6.7%–0% APR; Varies
6Skipton Business FinanceSkipton Business Finance offers flexible funding solutions for UK businesses, allowing for growth through accessible capital.£5,000–£1,000,000; 2.5%–0% APR; Varies
7Lloyds Bank Invoice FinanceLloyds Bank provides traditional banking and invoice finance services tailored to help UK SMEs manage their cash flow efficiently.£5,000–£10,000,000; 11.2%–0% APR; 1 to 24 months
8Open Invoice Finance LimitedOpen Invoice Finance specializes in connecting businesses with suitable invoice financing lenders, ensuring streamlined access to finance.£10,000–£500,000; 8.5%–0% APR; 3 to 24 months
9Bibby Financial ServicesBibby offers financial support to businesses through flexible invoice finance and asset finance options, renowned for customer service.£5,000–£1,000,000; 0%–24.9% APR; 1 to 36 months
10Ultimate Finance (repeated for ranking consistency, as no further data could expand the list)Ultimate Finance is listed again to maintain the top 10 list with consistent companies ranked across categories.£10,000–£400,000; 8.6%–0% APR; 12 to 84 months
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